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

I was told by Citibank that I could apply for the AA mileup card and pay for a trip I had on hold so I could get double miles. I was approved on XX/XX/19 and have a confirming email stating my credit amount approved that was effective as of XX/XX/XXXX, but it only shows the last 4 digits of my card. Tried for 3 days to pay for it with this approval and was told by Citibank all I needed was the last 4 digits of the card number plus my frequent flier account number to pay for the reservation. AA would not accept that and wanted my full card number that Citibank would not provide. I was later told if I would have signed up for the annual fee product that I would be given a temporary number to use to book the flight, but that this product doesn't allow it although no one told me this before signing up and none of the literature says so in the mail offer I received. I also was told on XX/XX/XXXX by a Citibank Rep that I should be able to book the flight with the last 4 digits in my approval email and my FF number which is a lie. I was able to convince AA to extend hold til XX/XX/XXXX, but price went up so had to buy on XX/XX/XXXX or would have to pay more for the ticket. 

So they bait you with the card and don't make it possible to use til 7-10 days after they say you are approved. Deceptive and illegal practices. And they would not cancel the card either when I requested since they claimed their system didn't allow them to do so! 

All I can do now is refuse card when it comes since I couldn't use when needed and now have a credit check hit.
Product: Debt collection

Capital One Auto Finance calls me multiple times a day even though I pay my bill on the same date every month which is the XXXX of every month. They call me from different phone numbers stating that my bill is due and/or late which is inaccurate because I have auto-pay set up with my bank and it comes out of my check automatically the XXXX of every month.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX XXXX XXXX, MIXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX XXXX Balance : {$21000.00} XXXX XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX XXXX Balance : {$21000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there where still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX  Account # XXXX XXXX which is an opened collection Account type. Has all kinds of inconsistencies where it is showing that it was opened with XXXX on XXXX and XXXX XX/XX/ and never opened with Experian I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX  Account # XXXX XXXX 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. it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I received notification that this law firm ( XXXX XXXX XXXX XXXX XXXX XXXX ) somehow obtained a judgement against me ; without my consent ( proof of service ). I reached out to the Superior Court of XXXX in reference to this judgment # ( XXXX, Case Number : ( XXXX  XXXX XXXX, docketed XXXX, I believe this is way past the ( statute of limitations ). Can this law firm be investigated to make sure they aren't illegally attempting to collecting on debts that past the statute of limitation? This debt is over 10 years old. More importantly I don't ever recall receiving proper notice ( proof of service ) for this so-called debt. Also, I have no idea who Midland Funding is. I spoke with an attorney who mentioned perhaps filing a motion to vacate, since there is not proof of service. We want to make sure the law was properly followed in order to obtain this judgement. I know that ( proof of service ) is required with the court. I have also reached out to the court to see if they have my signature on file for proof of service of this ( so called debt.
Product: Credit reporting or other personal consumer reports

I would like these inquiries to be removed as soon as possible. I never authorized any of these and have sent letters to XXXX AND EQUIFAX TO REMOVE. THEY HAVE NOT BEEN COMPLIANTE. As a consumer, the FCRA says accurate information is my right and this isnt accurate.
Product: Debt collection

We receive at least 3 calls an hour, all day long, all hours of the day, even weekends. Have asked them to stop and they have not. The dates have been ongoing for weeks. Todays date, XX/XX/19 was the last straw for me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  USA
XXXXXXXXXXXX XXXX-XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal Cease and Desist demand under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). I am exercising my legal right to request that you immediately cease all communication with me regarding any alleged debt that you claim is owed. 

This includes but is not limited to : Telephone calls to my home, mobile, or workplace ; Voicemail messages or text messages ; Emails or letters ; And reporting or furnishing any information regarding this alleged debt to any credit reporting agency, as such reporting constitutes a form of communication under the FDCPA. 

Be advised that continued attempts to collect this debt including but not limited to the furnishing of information to credit reporting agencies will be documented as a violation of federal law and may be used as evidence should I choose to pursue legal action against your company for noncompliance.

Furthermore, if you believe this debt is valid, you are required to provide proper validation under 15 U.S.C. 1692g ( b ). If you can not do so, I request immediate removal of any reference to this account from any consumer reporting agency to which you have furnished such information. 

Let this letter also serve as a record that I dispute the validity of this debt. Any failure to comply with these directives may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

You are hereby notified. 

Sincerely, XXXX XXXX Let me know if you'd like to include any specific account number or tailor this to reference something like a collection on a lease, medical debt, etc.
Product: Prepaid card

Received egift card from work for {$300.00}. Card initially worked and was able to order from XXXX. Currently have {$38.00} left and can not spend any of it at any store nor put it on my XXXX wallet. Have tried contacting company after waiting for a half an hour they said I need to keep trying. I have tried at XXXX, XXXX, XXXX online, and even in person stores and every time it is canceled. I don't have time to continue trying and failing. Company offered no help and now I can not get anyone on the line. American Express is very disappointing. I think they might be trying to get people to give up and hoping that they forget about their balances on gift cards. I don't want to do business with them anymore, nor would I consider ever getting their credit cards when there are better options.
Product: Payday loan, title loan, or personal loan

I am writing to bring to your attention a pressing matter regarding my loan obtained from Service Finance Company. I entered into a loan agreement with the company with an initial principal amount of {$20000.00} and an interest rate of 9.99 %. Despite making timely payments, I have encountered a concerning issue wherein my principal balance has been steadily increasing since the initiation of the loan.

To date, I have made all payments promptly and have never exceeded the due date. Furthermore, I have taken the initiative to make early payments, demonstrating my commitment to fulfilling my financial obligations responsibly. Despite these efforts, my principal balance has inexplicably reached an alarming high of {$20000.00}. This indicates that my payments have been consistently applied towards interest alone, while the principal balance remains untouched.

This issue is not unique to my situation, as similar complaints have been reported by consumers. This pattern suggests a systemic problem within Service Finance Company 's loan servicing practices, warranting immediate attention and intervention from regulatory bodies such as yours.

I kindly request that the Consumer Financial Protection Bureau launch an investigation into the practices of Service Finance Company to ascertain the reasons behind this alarming discrepancy. I believe that such an inquiry is necessary to protect consumers from potential predatory lending practices and ensure compliance with fair lending standards.

I have attached copies of all relevant documentation, including my loan agreement, payment receipts, and any correspondence exchanged wit

h Service Finance Company. These documents should serve as evidence supporting my claim and aid in your investigation.

I appreciate your prompt attention to this matter, as it directly affects my financial well-being and raises concerns about the integrity of Service Finance Company 's lending operations. I trust that the Consumer Financial Protection Bureau will take swift action to address this issue and protect consumers ' rights. 

Thank you for your time and consideration. I look forward to a favorable resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXX/XX/2021 The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company use my information without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX XXXX for XXXX with XXXX XXXX. This account is closed and is showing open on my credit report. The account also is showing incorrect charges. Ive tried to handle the issue with XXXX XXXX because they kept charging me when I no longer had the phone and was no longer a customer with this company. Ive requested for the incorrect information to be removed. This account was removed already and has reappeared.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to file a formal complaint against XXXX XXXX XXXXXXXX regarding an account that has been fraudulently opened in my name, XXXX XXXX XXXX and XXXX XXXX, which is in result of identity theft. The fraudulent account is as follows : XXXX XXXX XXXX account number appearing as " XXXX '' for {$520.00} I have attached a notarized copy of the Federal Trade Commission ( FTC ) Identity Theft Affidavit, as well as a police report documenting the identity theft incident. I also have attached my government issued ID and a utility bill for proof of identity and address. As a resident of Texas, I am aware that aggressive consumer laws are in place to protect victims of identity theft. Texas state law, under the XXXX XXXX XXXX XXXX, provides consumers with strong protections against creditors and requires swift action to rectify fraudulent accounts. 

Despite my efforts to resolve this matter directly with XXXX XXXX XXXXXXXX, the fraudulent account have not been adequately addressed. Therefore, I am filing this complaint with the Consumer Financial Protection Bureau to request your intervention in resolving this issue. 

I request that XXXX XXXX XXXXXXXX conduct a thorough investigation into the fraudulent account and take immediate action to remove this from my credit profile. Additionally, I request that XXXX XXXX  XXXX provide me with written documentation of the results of their investigation and any actions taken to rectify the situation. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these actions to safeguard my credit.The accounts in question are as follows : 1. XXXXXXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$1000.00} 2. XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$380.00} 3. XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$100.00} 4. XXXX & XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX Balance : {$250.00} ; XXXX XXXX XXXXXXXX {$20000.00} ; XXXX XXXXXXXX XXXX  XXXX XXXX : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00} ; CXXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX
Product: Checking or savings account

On 5 different occasions my account was used fraudulently and each time I disputed the charges USAA claim they did an investigation and the charges was made by me which they werent i never received my replacement card that was used for the fraudulent activity and after that they sent 6 debits cards at once as my banking institution i feel they never disputed on my behalf because of the amounts now my account is overdrawn almost XXXX which if they closes it I wont be able to get another account because of course i will be in XXXX so it makes it hard without a bank
Product: Credit reporting or other personal consumer reports

I have numerous inquiries and addresses and an account that I do not recognize and do not belong to me. I contacted the 3 credit bureaus to remove them and they told me to do a Identity theft report and they would not remove them.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX XXXX XXXX XXXX ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( XXXX ) and Fair Debt Collection Practices Act ( XXXX ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX XXXX Code XXXX ( Civil Liability for Willful Noncompliance ) and XXXX XXXX Code XXXX ( Civil Liability for Negligent Noncompliance ), your agency XXXX be held liable for failing to comply with federal law. Additionally, XXXX XXXX Code XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX Code XXXX ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX XXXX. XXXX ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a permanent   XXXX   XXXX   by mail on  XXXX / XXXX /2007 to the address provided on the   XXXX   XXXX   web page at  XXXX  ( I have a attached a scanned copy of that request ). Nearly 10 years after submitting that permanent opt-out request ( during the request was honored ), I have suddenly started to receive new unwanted pre-screened credit offers without me ever asking to opt back in again. The credit reporting agencies provide NO way to contact them to find out why they are no longer respecting my prior permanent opt-out. This is unacceptable. Please make them comply with ALL permanent requests PERMANENTLY, as required by law. Thank you.
Product: Debt collection

EOS CCA placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. 

I never receive written notification of this alleged debt at my address of XXXX XXXX XXXX, XXXX PA XXXX.
Product: Mortgage

I cant request information from Loancare because their phone system is still not available. They only have one option # 1 and either clicking one or hold then the system mentions about business hours, sorry for the inconvenience and then disconnects.
Product: Debt collection

I have contacted this agency multiple times about a debt from an apartment complex that I moved out of earlier this year. I called that apartment complex numerous times trying to get information about any move out costs, and they continually told me they didnt have the information. I later received a phone call from Iq Data collections and they informed me of the charges in their office over the phone. I told them I never received any written notification from the apartment complex or Iq Data with a list of the individual charges. The operator on the first phone call told me I needed to send an email to XXXX to request the information I needed to dispute the claim. She also told me they had been sending information to the address of the apartment I had moved out of, despite me providing a forwarding address upon move our. It should be obvious that I would not receive mail at an address I moved out of, but I also confirmed my new mailing address. I confirmed the email multiple times. I sent five emails to the email address provided, all with no response. I spoke to another member of their team over the phone and told him I have never received any written statement of the claim so that I can formally dispute it. He again reverified that I had the correct email address and I received no response. He also said he would forward the request to a supervisor but I still have not heard back, weeks later. 

The dates of the emails are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all of XXXX. I have the documentation to prove that the charges the apartment complex is claiming I owe are not valid, but I am unable to get this creditor to provide me with the information to dispute their claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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

The original creditor : XXXX XXXX XXXX shows the debt was opened on 2 different dates, XXXX on XX/XX/XXXX and also XXXX and XXXX on XX/XX/XXXX, amount {$2500.00} and it was charged off. A company, SCA Collect, that I did not know of placed an charged off account on my credit report without my consent or knowledge. They reported it on XXXX and XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. That is a deformation of character. I am trying to purchase a newer car for transportation for work.