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

We had to cancel a trip in XX/XX/2022. We immediately called XXXX and to cancel. They contacted the hotel. My XXXX XXXX XXXX father in law was not well. My wife is an XXXX  and has taken care of him many times. We spoke to XXXX, the resort and eventually to chase. We have all the information including the dates. We were charged in full one week ahead of our trip. Chase stated this was not correct. We have over 48 hours cancellation as that was when we arrived at my in-laws. 
We have sent every document to Chase, cancelled flights, all names, dates, calls, notes on health. Chase has insurance on their travel and since XXXX, they continue to threaten and try to charge us for the hotel. We did not and could not take the trip. They ask for the same documents over and over. They change people with each call and do not follow up. It is now 6 months and they have had no conclusion. We need immediate response from them as they are now threatening collections while they still tell us they need information. Please help! Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau has lied to me over and over again. I reached out to them over 2 month 's ago now to resolve errors on my credit report that they are negatively reporting. The sent me a notice that bankruptcy accounts on my credit report were verified through XXXX however when I reached out to XXXX they said the accounts were REMOVED. I contacted this credit bureau again to confirm and they sent another notice saying the same thing. Not only was I LIED to about that.. I also asked them to furnish PROOF of the verification process and contracts baring my original signature for ALL negatively reporting items on my credit report. They have FAILED to respond to my request and is continuing to report negative things on my credit report. 

The unverified items remain on my credit report in violation of Federal Law. I am prepared to take legal action. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, YOU MUST PROPERLY VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my original signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be PROPERLY verified. 

The law is very clear DISREGAURD as to my Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


I contacted the original creditor for XXXX XXXX Account # XXXX who was unable to verify that this account was mine. This violates my rights because per 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. I DEMAND THAT THIS ACCOUNT BE DELETED IMMEDIATELY! 


I contacted the original creditor for XXXX XXXX Account number # XXXX who was unable to provide verification that this account belongs to me. Or Furnish my Wriiten consent to report any negative accounts to my credit report per 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. I DEMAND THAT THIS ACCOUNT BE DELETED IMMEDIATELY!

Please be advised of my intentions to file a formal complaint with the Federal Trade Commission Due to the fact that I have contactedyou numerous times to PROPERLY investigate these inaccuracies negatively reporting on my credit report and you have failed to do so each time. I DEMAND THAT THESE ACCOUNTS ARE DELETED IMMEDIATELY!!!!!!!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting of My Information - Violation of Fair Credit Reporting Act To Whom It May Concern, I am writing this letter to formally dispute the accuracy of the information being reported by your agency regarding my credit history, specifically with regard to XXXX XXXX XXXX XXXX, as it pertains to Account number : XXXX and Account number : XXXX. It has come to my attention that you have been reporting information related to these accounts without my consent, and I believe that this action directly violates the Fair Credit Reporting Act ( FCRA ). 

The FCRA, under 15 USC 1681b, clearly outlines the permissible purposes for which consumer reporting agencies may furnish credit information. It is my firm belief that your actions in reporting my information without my consent are in direct violation of this statute. 

Moreover, I wish to bring to your attention several other sections of the FCRA that have been violated by your agency 's actions. According to 15 USC 1681 SECTION 602, I have the right to privacy concerning my credit information, and your actions have compromised this fundamental right.

Furthermore, 15 USC 1681 SECTION 604 A SECTION 2 explicitly states that a consumer reporting agency can not furnish information about an account without the consumer 's written instruction. I have never provided such instruction for the accounts in question, and yet you have reported them without my consent. 

Additionally, 15 USC 1666B establishes that a creditor, in this case, XXXX XXXX XXXX XXXX, may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I request that you ensure that " ALL '' late payments associated with the accounts mentioned be updated to " Paid as Agreed Never Late ( PAANL ) '' immediately, in accordance with this statute. 

In light of these violations of the FCRA, I kindly request that you take the necessary steps to correct this inaccurate reporting and update the information associated with Account number : XXXX and Account number : XXXX to reflect my true credit history. It is my right as a consumer to have accurate and up-to-date information on my credit report. 

I am providing you with this written notice as per my rights under the FCRA, and I expect you to conduct a thorough investigation into this matter and the method you use to verify. I also request that you promptly inform me in writing of the results of your investigation. 

Please be advised that I take my rights under the FCRA seriously, and I am prepared to take further action to protect those rights if necessary. I trust that you will address this matter promptly and in accordance with the law.
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 : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX  # XXXX 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, 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. 


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

REGARDING FRAUD PROCESSING BY DISCOVER CREDIT SECURED CARD. 

Discover treats credit card customers who hold a small secured card in a very discrimination manner. They fail to process payments to force their benefit ability to charge card fees. I have since then asked to have my small {$200.00} account closed and they have Not even closed this as of yet since requested last month. I am still due my funds of {$200.00} total. Discover executive team XXXX has failed to action on my complaints to them about their XXXX processing of payments. 

I FILED FIRST WITH THE FDIC FDIC Logo XX/XX/XXXX Ref. No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX Re : Discover Bank Dear XXXX XXXX : Thank you for your correspondence, which was received by the FDIC 's Consumer Response Unit. 

The FDIC 's mission is to ensure the stability of and public confidence in the nation 's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since XXXX. We are responsible for supervising state-chartered, FDIC-insured institutions that are not members of the Federal Reserve System. 

Based on our review of your correspondence, the bank you referenced is under the direct supervision of the Consumer Financial Protection Bureau. We are forwarding a copy of your correspondence to this agency at the address below : Consumer Financial Protection Bureau XXXX XXXX  XXXX
Product: Debt collection

I received a phone call from a " representative '' of I.Q. Data International, Inc ( dba Rentcollect Global ) on XXXX/XXXX/2016. The person asked for myself or my wife and I acknowledged that I was the correct person to speak with about the matter. XXXX was told the conversation was being recorded ( I hope it was, though i truly doubt it ) and I agreed. I told them I had just received a letter regarding the supposed debt and was responding to dispute said debt. I was cut off immediately with a rude and angry tone stating that I should tell them of the dispute. I said it 's all in writing and should be in their hands any day. She ( now yelling ) told me that they do n't respond to written letters and that you deal with this on the phone. I explained that the letter their office sent me states otherwise. It clearly states I have 30 days to respond and they will secure proof of debt ( which is a bit absurd ... why would they not have it now ). I doubt she heard all of this as she was shouting something over top of me and then continued to yell after I stopped talking stating I was refusing to cooperate and she " hopes I enjoy my debt on my credit report ''. She then terminated the call. I pulled out my letter and noticed the " account representative '' was NOT who I spoke with and is probably ficticious, but I called back despite. I was greeted by an operator, told them my account rep 's name, and gave them my account number after being asked for it. Put on hold. He came back and asked if this was XXXX. I said Yes. Hold once more. When the line picked up again, it was the same abusive woman that I had dealt with previously. I asked for the account rep printed on my paper. She told me SHE was my representative. I asked if she 'd answer my question and she began shouting again about how I was refusing to talk and a few other things. I finally waited for her abusive tirade to stop and asked for her supervisor. She did n't acknowledge. I firmly stated it a second time. She said " Super '' and put me on hold. I got a supposed manager on the line that basically provided lip service that " they would look into the representative 's behavior ''. No apology, just lip service. I asked them if they could answer my question that their rep refused and was told yes. I read the letter I received. I asked if it was true that I could dispute via mail as stated in the letter. They said yes. I said that I doubted they would actually look into my situation with the rude rep but reiterated that I would be sending my dispute. I also added that if I ever receive abusive phone calls again, I would seek the advice of a lawyer. I 've never experienced such an abusive call before. It amazes me how that is even allowed. Looking up the company online I 've noticed this is a recurring pattern. It needs to stop.
Product: Student loan

I am writing to file an urgent complaint against MOHELA for consistently placing my student loan account in administrative forbearance, despite my specific requests to refrain from doing so. On XX/XX/XXXX, and XX/XX/XXXX, I communicated through MOHELA 's secure messaging system, explicitly requesting avoidance of administrative forbearance due to its negative impact on my Public Service Loan Forgiveness ( PSLF ) eligibility. 

Additionally, on XX/XX/XXXX, and XX/XX/XXXX, I made two phone calls to MOHELA, reiterating my request verbally. To address the ongoing issue, I sent another secure message on XX/XX/XXXX. 

Regrettably, the forbearance remains in place, leading to the inadvertent omission of an entire month 's payment, significantly affecting my PSLF count. This situation is unacceptable, and I urgently seek your intervention to rectify the error and protect my eligibility for loan forgiveness. 

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

To Whom It May Concern, The incorrect items listed below appear on my credit report. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide the names and business addresses of everyone you checked the information with so I may follow up. 
The date on which you contacted each information source. 
the method of communication used to verify the information. 
I also want to know if the furnisher provided you with my SSN, address, or date of birth. 

Once you have completed your investigation and made the necessary corrections, kindly provide me an updated credit report. 

Thank you for your time and help with this.
Product: Credit card

Carecredit is charging me {$600.00} and another XXXX XXXX.on interest. I being making my payments every month. Now they over charging me. I called customer service to try to resolve this issue but they didn't want to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I suspect fraudulent hard inquiries on my credit report and I need them DELETED. I did a thorough investigation and did not authorize these inquiries. 

XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2022 XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Auto ) XX/XX/2022 XXXX ( XXXX ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX  ( Auto XXXX XX/XX/2022 XXXX XXXX XXXX ( Finance XXXX XX/XX/2022 XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX  ( Finance ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXXXXXX XXXX  ( Auto ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/202XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXXXXXX XXXX XXXX ( Auto ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/202XXXX XXXX XXXX ( Finance ) XX/XX/202XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXXXXXX XXXX XXXXXXXX ( Auto ) XX/XX/2022 XXXX XXXX XXXX Finance ) XX/XX/2022 XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2022 XXXX XXXX ( Auto ) XX/XX/2022 XXXX XXXX XXXX ( XXXX ) XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1900.00} Balance Updated XX/XX/XXXX Credit Limit {$2000.00} Monthly Payment XXXX XXXX XXXX  Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$15000.00} Balance Updated XX/XX/XXXX Original Balance {$17000.00} Monthly Payment - Past Due Amount {$15000.00} Highest Balance - Terms 66 Months Responsibility Individual Your Statement - Comments - XXXX XXXX XXXX Account # XXXX Original Creditor XXXX XXXX XXXX. 
Company Sold - Account Type COLLECTION Date Opened XX/XX/XXXX XXXX XXXX XXXX   Account # XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold - Account Type COLLECTION Date Opened XX/XX/XXXX Account Status! ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Wholesale - non specific Contact Information XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX CAP XXXX NA Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Sales financing company Contact Information XXXX XXXX XXXX XXXX, FL XXXX BYMAILONLY XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had already submitted a complaint XXXX A few dats ago and they said they they had solved the problem so I believed them. They did not fix anything, in fact theyve suspended my.
Product: Debt collection

I have sent XXXX different letters requesting validation of the debt. XX/XX/22 and XX/XX/22. The company has yet to respond with legal documentation such as a signed contract, agreement or promissory note which holds me legally responsible for this debt. I have no knowledge of the account nor have I ever opened an account with the original creditor.
Product: Consumer Loan

I am hoping you can help me resolve what I feel is unfair reporting and unclear communication with a prior lender about an old account in default. 
This is in regards to my auto loan previously with XXXX finance which is now Ally Financial. I did voluntarily repo the car however they are currently not showing accurate pay history on my credit report and have not communicated when this will be removed due to the 7 year rule. From my understanding of the fair credit reporting act a creditor is supposed to remove and no longer report a negative item 7 years from the XXXX late payment or negative information is shown. 
The account number for this account is XXXXMy name is XXXX XXXXMy Social is XXXX. 

I have disputed with both the credit buros and sent a letter to XXXX. I received a form letter response but they did not answer my question regarding my pay history and when they would cease reporting this negative information on my credit report. 

I would like this removed as soon as possible and if they feel this is not yet supposed to be removed legally I am at least owed a very clear explanation of when it is scheduled to be removed. 

Ally 's address isAlly FinancialXXXX XXXX XXXX, MN XXXX have not found a working phone number to discuss this with their credit reporting department. 

Thanks you, XXXX XXXX ( cel )
Product: Money transfer, virtual currency, or money service

Bank of America withdrew payments from my personal checking account to pay previous landlords in XXXX XXXX XXXX XXXX XXXX XXXX. We notified the bank personally with letters and copies of their withdrawals. An earlier complaint in XXXX by XXXX XXXX my landlord has been filed, and the {$900.00} rent was reimbursed. However the bank also transferred money from my personal Bank of America checking account to pay my landlord XXXX XXXX {$2100.00} twice. Have contacted XXXX XXXX and he is watching the transaction and agrees it is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and saw an account that I didnt recognize, I contacted Community Bank XXXX an asked that they validate the debt as this is not an account that I opened. They have yet to validate the debt with either an application showing I opened the account with my signature and valid identification. They have only sent old credit card statements which doesn't validate the debt or prove that I open or are responsible for this account. It has been 2 months since XX/XX/2020 that I have opened a fraud dispute and nothing has been done to accurate validate this debt. I am asking that they provide valid verification that this account belongs to be such as an application with my signature or this account needs to be removed from my credit reports. 

The documents attached was what was sent to be to prove that this is my account after I sent a validation request.
Product: Credit card or prepaid card

I never late or missed payment with Discover Card I was planning to pay it down in order to get a custom PC in a few months but I just found out my Discover Card is closed not just because they closed it they also killing the credit age I only had this card for almost 8 months. I really want to stay with Discover Card so they told me they send me the letter in days but I didn't miss any payment or missed payment so what 'em closed my account suddenly? I do want to build a great relationship with Discover Bank. They made my account closed and made it really bad for me. I do not authorize 'em to close my account or ask for closing my account in any reason so this is why I write a complaint against Discover Bank.
Product: Debt collection

TRS Recovery Services Inc. notified my company of debt that does not exist : letter dated XXXX/XXXX/2016, reference number XXXX, Creditor listed : XXXX XXXX # XXXX, debt listed : {$60.00}. I contacted the creditor TRS indicated on their notice, and this creditor stated that they do not use this collection agency for any debt recovery. Furthermore, there is no outstanding debt with said creditor as our account with their stores is XXXX. Lastly, the store location that TRS was trying to collect from is located in XXXX, NE - over XXXX miles away from us. We believe this is not an error, and that this recovery service is engaging in fraudulent activity. This is supported by the fact that the creditor they referenced is NOT a customer of theirs, and therefore would not be using their services in the first place. It is further supported by the fact that we do not have a charge account with this retailer and could not even accrue any debt on our account.