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

In XXXX, I applied for a XXXX XXXX Rewards Card through Banco de Popular Puerto Rico. They accepted me and gave me a {$9000.00} credit limit. I made a {$1200.00} balance transfer and was charged the 2 % fee. I was then informed if I made a purchase of any amount, I would receive {$100.00} credit on my statement. 

A month later, I got a letter stating the account was closed but was given no reason. I contacted both XXXX XXXX and the credit card company numerous times. I started with one phone call to XXXX XXXX. They transferred me to the credit card company. First the credit card company told me they don't have a reason and I should call back in a week. Then the second time I called, they said there still was no reason. I demanded an answer. They told me they would put in a request to find out. The third time I called back, I was told it was " bank policy. '' I wanted to know what the bank policy was. They had no answer or reason. I called back the fourth time after the new year and was told it was bank policy and that was the only information they have and will ever have. 

Furthermore, after I made a purchase using the card, they gave me the {$100.00} credit THEN removed it. 

This inquiry affected my credit report. 

Despite the fact that I have good credit, I am EXTREMELY upset. I had planned to use this card for another balance transfer and will now be " dinged '' again in my credit report when I have to apply somewhere else, which will bring down my score again. 

Also, they put the full credit card number on the statement they mailed, which I find extremely unsafe. 

Please look into this and let me know what can be done to resolve this issue. Thank you!
Product: Credit reporting or other personal consumer reports

Violation of Fair credit privacy act statement : 15 USC 1681 B ( A ) ( 1 ) ( 2 ). 15 USC 1681 A ( 2 ) ( B ) Letter was sent to remove all personal information from there data base which was obtained without my consent.
Product: Credit reporting or other personal consumer reports

Thank you for your time to REMOVED some of the inaccurate items in my file that resulted from an erroneous credit reporting but I have ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this problem in a previous letter & I am including those items here again. Ive informed my attorney of my intentions & they are excited to hold you accountable in any willful noncompliance : 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 Please note that you have 4 business days to remove the reporting of any inaccurate items in my credit file that resulted from an erroneous credit reporting. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Vehicle loan or lease

I refinanced my used car the following month after purchasing it. I also cancelled an anti theft and GAP insurance prior to refinancing. I received a pay off amount from Ally Financial and paid it off with my new loan from XXXX XXXX XXXX specifically I worked with XXXX XXXX ( XXXX XXXX XXXX figured the daily interest, refinanced my 2013 XXXX and I waited on the title. Ally Financial sent my refund check for the Gap and Anti Theft back to XXXX XXXX saying it was a duplicate check and would not release my title. As I was paying XXXX XXXX XXXX on my car payment they were reporting me late to the credit companies when they were paid in full. It took Ally over a year to iron out their mistake but they have released my title now. I have proof from the current bank with my loan, all documentation of pay off from Ally, XXXX and XXXX XXXX and have been timely on every single payment with auto pay from my account. However, Ally Financial says they only report late payments and can not rescind those reports to the credit agencies.
Product: Debt collection

I was called and told about sums owed. I stated I had not recieved bills but would be happy to take care of it if I could see paperwork and verify I owed it. He said that I could not get any type of verification that wasnt his job. He then started asking about my husbands employer. He then said I had to pay within 2 days. I said it wasnt possible without reviewing said bills. He then said he would contact the dr to tell them I refused payment and to seek legal action against me. Then he hung up on me. I called back and ask for a supervisor two times and they refused me and Said there were none.
Product: Debt collection

Hi, How are you? 

I have been getting calls from XXXX  XXXX for the last two months regarding outstanding debt on a XXXX XXXX XXXX account. I picked up the phone one day and let the caller know that I have never held such account. The caller hung up and I stopped getting calls. Then, XXXX XXXX started calling my family members. I just went on XXXX XXXX to check my credit score, and noticed two accounts opened within the last two months that I completely do not recognize. One of them is a XXXX XXXX XXXX XXXX XXXX account opened on XX/XX/2018 with outstanding balance of {$7300.00} and the other is XXXX XXXX XXXX with outstanding balance of {$400.00} opened on XX/XX/2018. Both are not my debt and accounts I have never opened. Please help me resolve them, thank you. 

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

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Student loan

I have two co-signed loans with Navient since XXXX and XXXX. The loan I co-signed in XXXX is in the amount of {$15000.00} with a Current balance of {$24000.00} due to variable interest rate and the XXXX loan was for {$6200.00} with a current balance of {$6500.00} due to variable interest. The loans amount has significantly increased despite making agreed payments of {$260.00} for the XXXX loan and {$150.00} for the XXXX loans. Also, during the times my family and I faced financial hardship and were unable to make the minimum payment due to job loss in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
My account was reported to credit bureau which negatively impacted my credit. I have been with Navient since XXXX and have even paid off a personal loan I borrowed. Have made timely payments for the loans I co-signed except for the months I was out of job and was not able to make payments. 
With the derogatory report on my credit, I am unable to get a home loan to move my kids to a better neighborhood and school. I have always paid my bills timely and feel I have been treated unfairly. Also, the interest rate keeps increasing making it impossible to pay off the loan. I offered sometime ago to negotiate a settlement due to this being a burden as I had just recently lost my job and the interest keeps increasing, the Navient customer service lady on the other side of the phone was rude and when I asked her to be nice, she told me that " her job was not be nice '' and when I reminded her she was on a recorded line she transferred me to a supervisor.
Product: Debt collection

On XX/XX/2023 I was contacted by XXXX and XXXX XXXX with harassing calls about a debt I told them I wouldn't talk to them anymore and had to send it to me in writing they sent me a letter dated XX/XX/XXXX and I immediately replied to them asking for validation of the debt a copy of the signature and payment history to date I never received anything from them. On XX/XX/XXXX of XXXX I received a letter from XXXX XXXX XXXX XXXX Acknowledging a receipt of my letter disputing the account and requesting additional information, I responded to them on XX/XX/XXXX requesting the same information the original purchase agreement payment history and the application with the wet signature to date I never received anything from them. Approximately XX/XX/XXXX of XXXX they filed a negative collection on my credit report which I disputed three times and they validated it three times. 
On XX/XX/2023 I received a carbon copy of the XX/XX/XXXX letter stating that they were in receipt of my request for verification pursuant to 15 USC 1692 g of the fair debt collection practice act however they still did not provide any documentation but only a summary of the debt. 
On XX/XX/2023 I received a letter from the law firm XXXX and XXXX XXXX claiming they were collecting for XXXX XXXX XXXX XXXX by filing a lawsuit in XXXX XXXX Colorado I immediately contacted the firm disputed the account and within 30 days they sent me validation of the debt but not the wet application they also upon my request filed a motion to administratively close the lawsuit. I've made multiple attempts to settle and have gotten nowhere to this point excet for the violations of my rights number one with them filing the information back in early XXXX or late XXXX on my credit report which has been injurious to my credit history and filing a lawsuit without the validation neither XXXX XXXX XXXX XXXX, Paradigm or Suttell and Hammer PC filed an answer within a reasonable. Time without taking further action and violation of my rights I further learned that paradigm asset recovery did not renew their collection license in Colorado which expired in XXXX of XXXX yet they continued and filed a lawsuit on XX/XX/XXXX through their attorney XXXX and XXXX XXXX I followed all the procedures of the fare credit reporting act and disputing the account and asking for validation and expecting an answer within 30 days which was never received I disputed the errors on the credit report and they were validated by a collection agency that's no longer licensed in my state they filed a lawsuit on a disputed account without providing the validation even though they later made a motion to administratively closed still violating my rights. And in addition I've been irreparably harmed by credit decisions from other creditors in reducing, closing or modifying credit terms because of the disputed account on the credit report which wasn't validated until late XXXX.
Product: Mortgage

I went to bank of America and XXXX XXXX and established a balance. For bank of America the mortgage on the paid off house was XXXX and for XXXX XXXX the balance on the checking account was XXXX and savings account unknown for my deceased mother who passed away XX/XX/XXXX. They needed me to get court papers and a death certificate. I got those papers stating me executor of the estate. Now the banks are acting as if the accounts are non existent. Since then in XXXX I've been XXXX so I've been in therapy and now I just needed help accessing those finances. Please see attach document of the probate
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have filed a Identity theft report regarding personal and credit information appearing on my consumer report that are not transactions done by me nor to which I received any benefits.
Product: Checking or savings account

On XX/XX/year> I went into a Bank of America branch office and opened a checking account. After successfully opening a checking account I made and initial deposit of XXXX dollars. I then deposited XXXX checks into my account in the amounts of XXXX, XXXX, XXXX, and XXXX the clerk informed they would be placing a hold on my checks until the XXXX of XXXX. After leaving the bank I discovered my account was already in the negative by XXXX XXXX Trying to give the bank the benefit of the doubt I did not call immediately to rectify this situation. However 48hrs later I still did not have access to my account. I then contacted Bank of America and was informed by their representative that although it says your account is negative, disregard this information and you can still access your funds. Immediately after receiving this information I tried to make a transaction to no avail. It was not until XX/XX/XXXX that I was able to access my funds. I had no access to any money for 6 days. After an underwhelming first experience I received a letter stating that they were delaying the release of my funds an additional 5 days from what I was initially informed until the XXXX of XXXX under the presumption that these checks would be returned. Let me explain that me and my family were affected by a major disaster and all these checks were from FEMA to be used as emergency funds during these hard times. I took it upon myself to contact Bank of America again and was informed by a representative that half of my funds would be released on the XXXX of XXXX. Fast forward to the XXXX of XXXX and my money was still not available. Not only did I not have access to my money but after calling in again I was informed that my account is in the process of being closed. Determined to finally get some answers I made it to the same Bank of America branch where I initially opened my account and spoke with the same representative. At this point I was informed that that the checks were not returned and the money was in my account but that I could not make a withdrawal, transfer funds or even close my account for that matter. The representative said she had no ability to help or any information as to what I should do next or why my account was inaccessible in the first place nor could she find anyone who could give me the answers. The representative contacted the appropriate department to help me with this and the department manager informed the representative that it was nothing they could do either. Today is the XXXX of XXXX I still have not received an update I contact the bank everyday and consistently receive different answers no one is helping with this and my family is suffering because of it.
Product: Debt collection

XX/XX/2023 United collection bureau placed a collection on my account that belongs to my minor daughter who i do not have custody of
Product: Debt collection

Westlake ( byte ) is a medical company that shows a medical collection on my credit report. I am going through a class action lawsuit with them because of safety concerns from the XXXX XXXX XXXX. Byte hence is no longer existence and have ceased collection. Why am I still being harrassed by westlake for the amount of XXXX. I am receiving phone calls and it still remains on my credit report. They claim that that they a collecting a debt from byte.
Product: Credit reporting or other personal consumer reports

I initially started disputing information on my credit report with all XXXX of the major credit bureaus : XXXX, XXXX and Experian on XX/XX/year>. I requested an investigation for multiple accounts, and after disagreeing with the results, I requested a reinvestigation. I also requested details in regard to the process that was used to 'verify ' these accounts in writing XXXX. Names of whom they spoke to, phone number to the creditors, addresses, supporting documents, etc. To present day, XX/XX/year>, I still have not been provided with such information. There are inconsistencies with multiple accounts across all XXXX credit bureaus, which is why I find it hard to believe that anything was verified.
Product: Credit card

On XX/XX/year>, I received an email from Citi Costco Visa Card, hereunder refereed to as ( " the Company '' ), informing me that I would be receiving my earned Costco credit card reward certificate of {$420.00} ; which was supposed to have been issued to me sometime that same month via email. Then on XX/XX/year>, my Citi Costco Visa card account was closed at the company 's discretion with no further explanation given. Up to that point my account with the company was in very good standing, no history of non payment and balances owed had always been paid off timely each month. Often time payments were made way ahead of their due dates. 

Even after the account has been closed, I continue making timely payment that are due each month as my goal is to always pay off what I owe. After waiting several months to receive my {$420.00} rewards certificate that was promised ; I realized it never came. On XX/XX/year>, I decided to contact the company inquired as to why I had not receive my rewards due to me. That was when I was told by the representative that those rewards would NOT be issued to me due to the fact that my account was closed on XX/XX/year>. This news was shocking and seemed very unfair and deceptive to me as a consumer, particularly when I had always been a loyal customer of the company. 

I am not upset of the fact that the company decided to close my account and did not want to provide an explanation as to why. I understand the company have that right and at their own discretion may decide to termination the relationship for any reason at any time. 

However ; the consumer have the right to get back what is owed to them. The reason the {$420.00} rewards were there was because I'd earned them by shopping throughout the year and spending my good earned money fair and square. If the company decided to discontinue the relationship at that point, I would understand any earned credits that month may be forfeited, but to actually forfeit the entire amount is practically unfair and is downright aggressive and abusive. 

All I ask is for the reward that I had earned fair and square to be issued to me during the time while my account was opened and prior to it's closed date of XX/XX/year>. 

Therefore, any assistance the bureau could provide would be greatly appreciated as the authority who can intervene in the matter at this point. 

Sincerely,
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. 

I told Experian, XXXX, and XXXX to reinvestigate these account 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of item that is UNKNOWN to me : XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I received a letter from Comenity Bank on XX/XX/2020, card issuer of New York & Company advising that they closed my account as of XX/XX/2020 without any warning. I have paid the balance off on this card and have established an excellent payment history with no deliquencies. The reason why my account was inactive was because I lost my job during the pandemic and could not make desired purchases including use my store cards. I am appalled that during this tough time, that New York and Company/ Comenity Bank would tank my credit score and close my account after I was not late and paid this card on time. This inconvenient decision shows me that Comenity or NYC has no integrity or loyalty to their customers even the cardholders who make it a goal to have excellent payment history.
Product: Credit reporting or other personal consumer reports

1. The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter and stated below if you can not produce these items, you must delete them. 
2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice. 
5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
6. Please provide the original docurse and wet signature if you can't provide these items Delete them. 

I demand immediate blocks and future blocks from all these items that are on the FTC affidavit XXXX XXXX XXXX accnt # XXXX XXXX XXXX  XXXX accnt # XXXX XXXX XXXX XXXX XXXX all fraud account and inquries
Product: Credit reporting or other personal consumer reports

Someone who probably has my personal information applied to get credit cards causing so many inquires on my credit report : XXXXXXXX XXXX on XX/XX/2024, XXXX XXXX XXXX on XX/XX/2024, XXXX ( bank ) XX/XX/2024