23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Yesterday, XXXX/XXXX/2015, after placing an order at XXXX, I received a security alert from discover card saying that there was a hold on the order. I called discover card and the call was passed on to the security customer service. When I asked why they placed the hold on the order the agent said 'walmart red flagged the order '. I could not understand why this was done. I called XXXX and they said that they did not put a hold or an alert on the card but that Discover card did. 
I then called back Discover card to find out what the problem was XXXX I have {$3700.00} credit line with only XXXX outstanding charge of about {$51.00}. ) I went around in circles trying to find out why this order was red flagged each customer service rep. including their so called 'executive office of customer advocacy ' gave me the same story, 'we do n't know. 
They also had the online order of {$51.00} in pending status but they took that down yesterday. I called the online store where the purchase made today and they told me that they had been paid for the order by discover card, but as of this morning there was no charge on my account. 
I informed discover card that after this order was complete that I would pay it and close down my card because I do need this kind of stress. My credit rating is very good with 100 % ontimepayments and I could get a better card anywhere. 
Today XXXX/XXXX/2015, I checked my online account and it was closed. Now I have no way of paying this. I usually pay online thru my bank account. I am a XXXX individual and this episode had been extremely stress full for me. HOw do I pay this bill and how do I know when it will be available if I do not have access to my account? I think that the customer service repsmay be trying to get even with me because I told them I was going to file this complaint. 
Please help me to figure out how to pay this bill and protect my credit rating.
Product: Mortgage

1. ) On or about XX/XX/2016 my wife and I contacted Quicken Loans to obtain a mortgage on our home, initially for {$52000.00}. The loan would involve obtaining a subordination agreement from XXXX with which we have a XXXX XXXX Account. At that time the outstanding balance was {$48000.00}. The points Quicken Loans was charging us was XXXX % of loan amount. This amount was acceptable to us. 
2. ) On XX/XX/2016 we received a loan estimate from Quicken Loans for the same amount of {$52000.00}. The points Quicken Loans was charging us was now XXXX %. This was still acceptable to us. 
3. ) On or about XX/XX/2016 we asked Quicken Loans to increase our loan amount to {$97000.00}. In the loan estimate sent to us the points remained at XXXX % of loan amount or {$1000.00}. This was still acceptable to us. 
4. ) On XX/XX/2016 we again received a loan estimate the loan amount remained the same at {$97000.00} and the points remained the same also at XXXX % of loan amount. At this time we also received a closing disclosure with the same amount and points. 
5. XXXX On XX/XX/2016 we received a closing disclosure for the same loan amount of {$97000.00} but the points were increased to XXXX % of the loan amount or {$2400.00}. This would increase the cost to us by {$1300.00} and was not acceptable to us. 

During the time of our initial application up to XX/XX/2016 Quicken Loans requested we submit numerous documents which we did in a timely expeditious manner. Quicken Loans banker XXXX insisted that Quicken Loans would not authorize subordinating our home equity loan but that it would need to be closed. This was in direct contrast to the Certification & Authorization agreement we received from Quicken Loans on XX/XX/2016 listed under the title, Authorization to Release Information. XXXX # XXXX states : If applicable, I/We request that my/our second mortgage loan be subordinated to the new refinanced first mortgage with XXXX. I/We authorize the release of any information, either verbally or written, in order to process the subordination request. 

We talked to other officials of Quicken Loans who agreed with us and the documents for the subordination were obtained signed and submitted. 

All of this took an inordinate amount of time on Quicken Loans part. The loan was approved. The subordination agreement was approved. Yet for some unknown reason Quicken Loans was not closing the loan. 

When we inquired about the reason for the very large increase in points, Quicken Loans stated it was because of the amount of time it was taking to close the loan. 

Upon our insistence the loan was closed XX/XX/2016, over XXXX months from our initial application. At this point for us to stop the process and shop around for another loan was out of the question. 

It appeared that Quicken Loans had us over a barrel and could arbitrarily change the amount of points we were being charged. This does not sound like honest business practice and would like to have the difference in points charged {$1300.00} returned to us.
Product: Debt collection

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear Amsher Collection, This letter is being sent to you in response to a recent charge that was made on my credit report that I dont recognize. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your office provide me with competent evidence that I have any legal obligations to pay. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative marks found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action was taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listings of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


Sincerely, XXXX XXXX
Product: Credit card

I had a Chase Freedom card which was opened XX/XX/2015. In XX/XX/XXXX, Chase had placed my account on hold and falsely reported the account as " account information disputed by consumer '' and I later came to find it was closed by Chase. I did complain to Chase regarding the matter and I believe they did correct it after some time, but they refused to reinstate my account. Earlier this month after applying and verifying my identity I was approved for XXXX more cards from Chase. Upon receiving the cards in the mail I proceeded to activate them but when I called in I was told that my accounts were restricted before I even had a chance to activate them!
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a fraud alert from Bank of America for charges ( see below ). I notified them I had made one of the referenced charges ( XXXX charge ) and they notified they would investigate the other charges. 
XXXX {$43.00} ( XX/XX/XXXX ) XX/XX/XXXX XXXX XXXX {$11.00} XXXX XXXX {$26.00} XXXX XXXX {$290.00} XXXX XXXX {$26.00} XXXX XXXX {$2.00} XXXX {$33.00} Declined XXXX {$290.00} BOA credited my account for the fraudulent charges of about {$400.00}. 
On XX/XX/XXXX, I received a letter from Bank of America saying the charges were NOT fraudulent and added the charges back to my account. I did not make the purchases all occurring on XX/XX/XXXX. The last time I used my card was for gas on XX/XX/XXXX. 
I want to know what recourse I have at this point. 
Thank you for any assistance.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$55.00} XXXX XXXX  XXXX Balance : {$0.00}.
Product: Debt collection

This notice hereby demands : CREDIT CORP SOLUTIONS INC to cease and desist from attempting to collect on any alleged debt from me, a federally protected consumer. You are also hereby notified to cease and desist all communication and harassments.

I am disputing the validity of this alleged debt. I have not now nor have I ever been in contract with CREDIT CORP SOLUTIONS INC . This company is in violation of federal law. As a consumer, I have not now or ever extended my credit to them, they have not now or ever loaned me money. I received a letter in the mail from CREDIT CORP SOLUTIONS INC showing a " Total amount of debt now '' as : {$4.00}, XXXX. I am asking CREDIT CORP SOLUTIONS INC to provide an original contract with my signature, offer and acceptance. Copies will not suffice. I would also like to see the assignment of debt. I would also like CREDIT CORP SOLUTIONS INC to show they are registered/licensed in my state to even attempt to do business and collect on this alleged debt. This company is also in violation of 15 USC 1692e by making false and misleading representations. CREDIT CORP SOLUTIONS INC 's written communication to me also contained threatening and abusive language stating : " You are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations ''. This is in direct violation of the FDCPA. CREDIT CORP SOLUTIONS INC has also furnished a misleading and deceptive form using the verbiage : " we are trying to collect a debt that you owe '. Any continuance or disregard to this notice will be deemed as direct violation of federal law as I am a Federally protected consumer and will also file suit for defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting 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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$550.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXXXXXX XXXX Balance : {$3400.00}
Product: Checking or savings account

On XXXX, XXXX. While going through my monthly bank statement, I discovered a withdrawal of {$6000.00} from my account on the XXXX of XXXX, and I immediately called the bank to inquire about the said amount, they claimed not to see any withdrawal of such amount in my account. Then I walked into XXXX XXXX branch of the bank to make a complaint, and I spoke with one of the managers named XXXX XXXX. And he gave me the number to claim department to put in my request which I did. They told me to go get a police report which I did, and also gave them a copy and the claim department told me to wait to hear from them, but they never get back to me.
Product: Vehicle loan or lease

On XXXX 2023 I went to Dealer XXXX XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX, to obtain extension of my own credit on a 2023 XXXX XXXX with Last 8 vin # XXXX with XXXX of {$42000.00}. The dealer run my credit with XXXX credit Report, where company 700 CREDITXXXX XXXX got a copy of my credit and I was denied for credit. No one from dealership give a paper or answer why I got denied, at this moment of my complaint, on XXXX XXXX 2023, neither someone from dealer or 700 CREDITXXXX XXXX had contact me. I had attached evidence that my credit was pulled by 700 CREDITXXXX XXXX with XXXX credit report.
Product: Debt collection

In XXXX I sent this company a request for validation. The company failed to provide me with the contractual agreements and statements that I had asked for and continued reporting the account on my credit report. This is a blatant disregard of my rights. It 's obvious this is frivolous debt which can not be validated.
Product: Debt collection

Debit creditor keeps calling from an unknown number and they claim its from MCM which is Midland Credit. They constantly call harassing from an unknown number
Product: Checking or savings account

The letter I received from Bank of America dated XXXX XX/XX/2023 with a Reference Number XXXX, please call XXXX so we can talk to you about suspicious activity on your bank account. Call the number Monday through Friday XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. So I called today at about XXXX XXXX the number above and I received an agent from Texas by the name of XXXX tag number XXXX working in the closure department. So irresponsible for customer service she could not tell me why my account was being closed, I asked to speak with a manager with no response. Then I asked to be transferred to the Fraud department that handles suspicious activity, the system at Bank of America transferred me back to another agent of the closure department the agent was totally rude that I asked to be transferred to the online banking of suspicious activity. The next agent that I talked to was in Maryland, he was in Fraud, but he could not discuss the issue with my closure account he transferred the call to another agent in Fraud which to no avail gave me a number to call which is Fraud Claims Department. That Department was closed by XXXX XXXX. There number is XXXX. Looks like the letter that I received was a runaround letter with deceiving affects and poor management of Bank of America with the understanding of professionalism under lousy leadership every member representing the Bank should be reprimanded and a letter signed by the CFO place in their personnel file. I have no clue how a business operates in today 's environment. It seems no one cares unless this issue attracted the XXXX XXXX and XXXX XXXX in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply for a mortgage. But the mortgage officer told me that they were n't able to pull my credit report from Equifax. I, then, proceed to contact Equifax, they were not able to find my credit report with my name, social security number, date of birth. Later I found out that my credit report got mixed up with my brother 's credit report. They ask for my ID and SS card to verify my identity. I promptly send them my ID an d my SS card. Yet, I called again after a week, they still have not able to confirm my identity, despite that they claim they will get back to me within 48 hours. This was an urgent request to them because my mortgage officer needs to pull my credit report by XX/XX/XXXX, 2017.
Product: Vehicle loan or lease

XX/XX/2019 Original balance {$17000.00} current balance {$8300.00} its a Voluntarily surrendered. and i didnt give them permission to get the car at the time the engine was bad and warranty department was taking long with repair and i got behind cuz my car was my source of income
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX 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 or other personal consumer reports

Trying to have Experian remove all old collections from credit report
Product: Credit card or prepaid card

I have an open dispute with Synchrony Bank ( complaint ID # XXXX ) due to {$290.00} XXXX XXXX XXXX I cancelled from XXXX XXXX  and still awaiting the outcome and update of the dispute. I have not used my card since I was in the XXXX XXXX XXXX on XX/XX/2022. I have not authorized any purchases since then. Now on XX/XX/2022, my card was charged {$2300.00}. I let Synchrony Bank now that this charged amount is fraud. I have not used this card for anything since my last purchase in XXXX XXXX. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 or other personal consumer reports

I submitted this complaint to update these suspicious information. XXXX Credit Bureaus must validate these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. XXXX XXXX XXXX Balance : {$10.00}, XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX  XXXX XX/XX/2023, XXXX  XXXX XX/XX/2023,
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an error on my Credit Report on XX/XX/XXXX using the Credit Bureau 's online dispute process. I included documentation from the Creditor stating that my payments were deferred from XX/XX/XXXX until XX/XX/XXXX. The late payments, XX/XX/XXXX and XX/XX/XXXX, should be removed immediately from my Credit Report if payments were not required during this time. Also if my deferment ends in XX/XX/XXXX, then how are my payments starting back up in XX/XX/XXXX. That is another error on my Credit Report.
Product: Debt collection

When I received the invoice from the XXXX I aske for a copy of the contract. They never forwarded it to me. I then started getting calls from a collection agancy calle Voss & Klein. The calls were relentless. I asked The collection agency XXXX to provide a copy of a signed contract and signature of with dates of approval of service by myself. The lady said if I don't pay she will continue to call me until I pay or wreck my credit. They have filed a collection on my credit report. She also state she did not have to provide me anything as I owe the debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
is on my credit report with inaccurate information which that does not belong to me as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not owe any debt to them, or any other creditor. I'm a victim of identity theft and this account is just many of its kind that has resulted to reporting to my credit report inaccurately and fraudulently to cause damage and hardship As of today XXXXXXXX XXXX XXXX > it needs to be removed. I have asked to see proof of these items being validated, and my signed signature and have been ignored To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. According to the Fair Credit Reporting Act, Section609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Here as follows are items in error : 1. COLLECTION agency did not send me anything to verify this account so how did you verify it? 
Where is the valid documentation, please remove this account immediately XXXX XXXXXXXX 2. I had requested that this account be verified and I have not seen any proof from you that it was. I need all correspondence regarding the previous dispute including the data provided to you that this account is accurate. If your agency is unable to do so XXXX XXXX 3 . Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX 4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence B XXXX
Product: Debt collection

My payroll is being garnished for a vehicle that was involved in an accident. The vehicle had full coverage and gap insurance to cover whatever expenses occurred after the accident due to it being written off. The vehicle was not my car. I never drove the car or even got into the car. Im confused why Im being liable for something that is not mines and wasnt even notified of this situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also believe this same company garnish my wages before at a previous employer in the year XXXX. 
The company is Autovest Financial Services LLC being represented by a collection agency XXXX, XXXX, XXXX XXXX XXXX.