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

COMPLAINT DESCRIPTION I entered a contract by deception with XXXX XXXX XXXX in XXXX of this year XXXX. The down payment of the contract in the amount of {$2000.00} was placed on a RCI credit card with zero percent interest for six months. The only other billing that should have been placed on this account was the maintenance fee of {$81.00}. Three consecutive payments made to RCI to pay off the down payment are as follows : XX/XX/XXXX-check # XXXX/ {$1000.00} ; XX/XX/XXXX-check # XXXX/ {$500.00} and finally on the web site XX/XX/XXXX- {$500.00} confirmation # XXXX  for a total of XXXX. Payment for the resort was being paid to a company called XXXX XXXX XXXX in the amount of {$300.00}. Consecutive payments were made to this company as follows : XX/XX/XXXX-reference # XXXX  ; XX/XX/XXXX-reference # XXXX  ; XX/XX/XXXX-refence # XXXX  and finally XX/XX/XXXX-reference # XXXX. I notified RCI dispute department as soon as I noticed the first of double payment made by XXXX XXXX on XX/XX/XXXX. When nothing changed a second charge occurred on XX/XX/XXXX which prompt me to speak directly with a manager in hopes of clearing up this problem. Manager XXXX, ( in the dispute dept. }, asked me to send documents proving payments made. I received a denial response to my mailing ( XX/XX/XXXX ) saying that they never received documents from me allowing them to pursue credit from the merchant. I called and spoke with XXXX XXXX Financial Service Manager Mr. XXXX XXXX on XX/XX/XXXX. He emailed me documents of my contract on ( XX/XX/XXXX ) but never addressed the issue of the double billing. I called to speak to him again, however, he has not responded to my calls. This leads me to believe that he feels there is no real issue. My last attempt to clear up this misunderstanding was to call the RCI FRAUD Department, where I spoke with manager XXXX ( ID # XXXX ). XXXX asked me to send in documentation once again as proof of payments. The documents were mailed on XX/XX/XXXX by priority mail. The tracking number showed RCI received my documents on Monday XX/XX/XXXX. I called on XX/XX/XXXX to follow up on this issue to the Fraud department. Relationship manager XXXX talked to the Fraud personnel only to find out there was no documentation on my file for Fraud. That was my last straw. There appears to be a total lack of communication, documentation, and interest to the status of clients associated with RCI. Please note : the RCI account is charged and interest rate of 18.24 % on all outstanding balances and a {$29.00} late fee for non payment.
Product: Mortgage

In XX/XX/2010 Greentree serviced my loan. Two years ago I discovered that there was a class action lawsuit against them. I sent emails to people claiming that they were representing victims but I never heard from them. I can share more details but I feel I was a victim of predatory lending practices. 

Thanks, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I went to TD Bank after trying to rectify the issue myself with the seller of and item i ordered through XXXX XXXX. Also tried to rectify it with XXXX XXXX directly and they told me they could not help me. Went to the seller and requested a refund for the items that i never received and they denied me. So then i when to TD bank and they gave me a provisional credit for the items i never received. Then they took it back form me, so i filed a dispute against there ruling of them not finding anything wrong. So they gave me the money back and a couple of weeks ago the took it back again. Now putting my account into overdraft and hitting me with a fee on top of it. I live on a limited income and because of there actions i was forced to take out a personal loan to pay for the bills that from the money they took out of my account. I truly think it is unfair how banks can play with peoples accounts like that. 

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

Capital One is reporting an account that is not in my name to the credit bureau. I was only an authorized user on the account but never gave permission to be a person financially responsible. I spoke with them last month and they told me I was taken off of the account. However, on XX/XX/XXXX they negatively reported it to the credit bureau again. This was not my account and they need to quit reporting it as such.
Product: Debt collection

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all three credit bureaus.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> somebody made a hard credit inquiry for a XXXX  XXXX credit card on my name, I've never applied for a credit card so I called XXXX and XXXX and they both told me I need to file a report with ftc or police to do anything about it, I called XXXX XXXX on XX/XX/XXXX and this lady told me there was nothing she could do. I called again today because I received an email stating that a card has been sent so I called XXXX XXXX again and told them it was fraud and I needed it canceled, they couldn't give me the phone number associated with the account but he did give me the area code of XXXX and I know nobody with a XXXX number he said the card is canceled now but the fact it went that far is rediculous
Product: Prepaid card

I purchased a Vanilla branded Visa gift card on XX/XX/year> for {$400.00}. When I went to use the card the balance had already been depleted. I have created a case with Vanilla disputing the charge and I have provided the documents they requested. They have not responded to me even after multiple prompts from me. 

The case number is XXXX
Product: Credit reporting or other personal consumer reports

Hello My issue has been with my Experian account getting compromised twice since I had my personal info stolen and became a victim of identity fraud. I had no issues with disputing fraud however it has been frustrating that thieves with my personal info can gain access of my Experian account to unfreeze my credit despite having an uncompromised email ( ID ) and password which were freshly made. This was confirmed by a rep who told me my account was accessed on a day I hadn't accessed it previously. And I still continue to get emails notifications of someone trying to recover my username through my email. The thieves are clearly using Experian as part of their tactic to steal people 's credit. 

There are easy measures that can be taken to increase security for example the industry standard of having a verbal password or pin. I would recommend being able to prevent unfreezing credit on Experian website through something like this as well. We could also confirm identity by verifying the phone number of the caller. However if the customer fails all of these verifications then the fail safe verification must be more secure not less than these previous tests. But that is where I have an issue because the advanced security questions are not that difficult to randomly guess, and if we imagine the network of thieves to be large then they have a large n ( number of potential victims ) to brute force these questions. 

I'd be happy to discuss further if u wish I can be reached at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Debt collection

I checked my credit report a found a fraudulent collection account named : ACIMA XXXX FKA SIMPLE
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance with a serious issue concerning Equifaxs failure to comply with federal regulations regarding the accuracy and verification of information on my credit report. I have discovered several charge-offs and transactions on my credit report that I believe are inaccurate and have not been properly verified by Equifax. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, credit reporting agencies are required to investigate and verify disputed information. Equifax has not provided the necessary verification documents for these charge-offs within the legally mandated timeframe.

Additionally, 15 U.S.C. 1681a ( a ) ( 2 ) states that any report should contain information solely related to transactions and experiences between the consumer and the person making the report. This implies that charge-offs reported by Equifax must be based on verified and documented transactions. However, Equifaxs failure to provide such documentation suggests a violation of this provision.

Furthermore, 15 U.S.C. 1681b ( a ) ( 2 ) outlines that a consumer reporting agency may furnish a consumer report only under certain permissible purposes, and only with written authorization from the consumer. I have not authorized any creditor to add negative, inaccurate, or harmful information to my consumer report. 
Moreover, the provisions of 15 U.S.C. 6802 require financial institutions to disclose the potential for sharing personal information and provide an opt-out option. Equifaxs lack of compliance with these requirements further undermines the integrity of the reported information.

The charge-offs in question appear to be in direct violation of these legal requirements. As such, I am entitled to seek damages for this willful non-compliance, as stipulated under 15 U.S.C. 1681n, which allows for a claim of {$1000.00} in damages for each instance of non-compliance. 
I request the CFPBs intervention to ensure that Equifax adheres to these legal standards by removing the inaccurately reported charge-offs from my credit report immediately. Enclosed are copies of my correspondence with Equifax and relevant documentation pertaining to my disputes. 
Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue and restoring the accuracy of my credit report.
Product: Credit reporting, credit repair services, 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 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 corrected from 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 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 believe these entries have not been properly investigated as required under the Fair Credit Reporting Act ( FCRA ) which mandates credit reporting agencies to conduct reasonable investigations.
Product: Debt collection

I originally owed XXXXXXXX Care Credit {$4000.00}, I attempted to work out a payment plan that I could afford once I became XXXX and could no longer work to bring in any extra income. 

I entered agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX in good faith and have paid that program to date {$16000.00}, only to find that they did not settle this debt on my behalf in a favorable way. 

They offered this company almost {$7000.00} and began paying themselves first over the last few years - this is not a great negotiation. 

They program said that XXXXXXXX Care Credit refused for 4 years any other offer during the time I participated in their program and they failed me. 

The debt program has been reported to the FTC. 

Now, I am applying for XXXX, I am unable to work but for 4 years I never missed one payment - only now I have XXXX left to live on in my savings and it is literally all I have. I offered that to this XXXX care credit company directly. 

Again they refuse- they now took bill from XXXX to XXXX, XXXX with demand of payment {$2500.00} and 5 monthly payments- with interest to start accruing again which will never pay this debt off. 

Even during covid, no job, XXXX I tried since 2019 to get this company to settle, they refuse and now threats to go to court and legal fees. 

I simply do not have funds any longer and I feel that 4 years of trying to settle with this unreasonable creditor is much to much for me to bare and now I am having XXXX hardships as well as financial hardships.
Product: Payday loan, title loan, or personal loan

In the month of XX/XX/2019 I called Check n Go and requested that they stop withdrawing money from my account. There has been more than one occasion that money was attempted to be withdrawn from my account on the wrong date, which caused my account to overdraft. I accumulated late fees and I requested all future payments to stop. On XX/XX/XXXX my account was charged XXXX. My account was not supposed to be charged since I requested that all future automatic payments stop. It appears that my account does not reflect all the payments that have been made.I called the company on XX/XX/XXXX in regards to their fraudulent activity. They agreed that I requested stop payments in XX/XX/XXXX but couldnt justify why they are making unauthorized charges to my account.
Product: Credit card or prepaid card

I previously submitted 3 disputes back on XX/XX/2018 Dispute Transactions ID 's are as follows. 
XXXX, XXXX and XXXX All disputes were opened at the same time, all for the same reason and all from the same company XXXX  who used several different names and URLs to run a fraudulent business. 

Dispute Transaction ID XXXX from XXXX XXXX for {$7500.00} was closed in my favor but Disputes XXXX from XXXX for {$7500.00} and Dispute Transaction ID XXXX from XXXX also for {$7500.00} were closed for partial credit on my account because of the merchants response. 

Upon further review of the letter sent to you by the merchant it is hard to believe it has been used against my dispute cases. I am asking that the merchant letter be dismissed from both dispute cases for the many reasons I am going to list below in addition the attachments I am sending you offering proof of my claims. 

Even just a quick visual analysis of the contents of the document supposedly delivered by the merchant reveals numerous elements. 

1. The document was not composed upon the merchants logo-bearing stationary.

2. The document possesses no date specifying when the document was composed.

3. The document possesses no address identifying from where the document was mailed. 

4. The document possesses no telephone number to be used as evidence that the document was faxed rather than mailed to the dispute center.

5. The document possesses no name indicating the identity of who composed the document.

6. The document possesses such poor and flawed wording as to be unintelligible overall and certainly paints a clear picture that the document was not composed and released by any genuine merchant. For, if the document had been composed and released by any genuine merchant, the writing would be professional, error-free, and easily readable. 

7. The documents verbiage contains the wrong date regarding when my association with the merchant began. If the document were legitimate, the accurate date of when my association with the merchant began would have been utilized. -See attachment for proof of incorrect date and even year. 

8. The existence of a document-building computer-systems database node number in place just above the leftward region of the documents first paragraph.

Being such a large company and dealing with a higher tiered dispute specialist, XXXX XXXX I am surprised that this bogus merchant letter has been used against my case and further more believe that the disputed amounts should be closed in my favor. 

Please see attached proof that the date of services is incorrect and also that the services purchased have not been received or delivered as guaranteed. I will reattach also the XXXX XXXX XXXX XXXX Page 1 that states in Section One, Event and Product Highlights that Lifetime Access to the program was in the Agreement. 

Thank you XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I went to BANK OF AMERICA located at XXXX XXXX XXXX, XXXX, NJ XXXX and tried to withdraw {$400.00} from 2 Atms that both Declined my transaction. The first transaction with Atm XXXX Declined my transaction and restricted my card I did not print out a receipt for this transaction as well. I went on line to wait for a teller but ended up calling customer service and removing the unrestricted block on my debit card. Than proceeded to Atm XXXX and tried to withdraw {$400.00} again which I received the same message of unusual activity and decided to print out this receipt which had Debit Card Alert on it and giving me a number to call to unblock my card once again. At this time im thinking my money is still on my account I make my way to the teller again and he tells me check my mobile app because the funds im trying to withdraw arent available. They deducted my {$400.00} without dispensing it. I immediately started a claim I also showed the teller my receipt now Bank of America is not offering me any type of credit due to the 2nd transaction saying it wasnt declined making it look like I received my money but didnt.
Product: Credit card

The Law states that my Transactions are not included in the Consumer Reports. A payment history is a history of all transactional payments. A late payment is only a factor of XXXX. yet it's being reported illegally on my Consumer Reports.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

AXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized credit inquiry on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, credit reporting agencies are required to ensure that consumer reports are furnished only for permissible purposes, and only with the explicit consent of the consumer in certain cases. Upon reviewing my credit report, I noticed the following unauthorized inquiry : Creditor/Company Name : [ Transunion, XXXX, XXXX ] I did not authorize this inquiry, nor did I provide written consent for [ XXXX XXXX XXXX XXXX XXXX ] to access my credit information. Therefore, this inquiry constitutes a violation of my rights under the FCRA. I kindly request the following actions : 1. Immediate removal of the unauthorized inquiry from my credit report. 2. Verification documentation : If the inquiry is deemed valid, please provide proof that I authorized the inquiry, including any written consent obtained. Please consider this a formal dispute under the FCRA. Thank you for your prompt attention to this matter. I look forward to your response.
Product: Mortgage

What happened is I signed a sellers agree And I was told that things were working that werent and that I only have to pay {$1400.00} per year or {$120.00} per month. Then after I signed the contract the HOA started charging me other fees. I can not afford this. I didnt agree to this and no one is willing to help me
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Consumer Loan

The loan payment is due each month on the XXXX and the loan is interest free for 12 months. The loan was for XXXX XXXX XXXX. If payment due on a Sunday I pay the amount by phone on Monday, they charge me {$37.00} late fee! I tried paying online and there is no opportunity to do so! I called twice and was told if not paid exactly on the XXXX, I will be charged a fee. Please help, I have had credit since a young woman and never heard of anything like this before!
Product: Credit reporting or other personal consumer reports

HELLO, i have been dealing with identity theft OFF and On. I'm not sure who has gotten access to my personal information. I just recently found about this account after applying for a home and was denied, Once i found about this i reached out to all XXXX credit reporting agencies- which i must say was a horrible experience alot of the representaives i spoke with really didnt " speak XXXX to well and i had to get transfer OVER and OVER. hang up and callback, i spent alot of time trying to get this handle. i have to take off work to file a police report, spend money on a lawyer. I have never had a ccount with XXXX XXXX XXXX. i have been doing alot of research and learning the law and have came across a few laws thats has been violated with the credit reporting agencies- XXXX, EQUIFAX AND XXXX. 

XXXX XXXX XXXX ACCOUNT NUMBER XXXX DELETE FROM MY CREDIT LAWS THAT HAVE BEEN VIOLATED LAW 1-15 U.S. Code 1681n - Civil liability for willful noncompliance LAW 2-PURSUANT 15 USC 1681 ACCURACY FAIRNESS OF CREDIT REPORT LAW 3- FCRA SECTION 605B LAW 4-Block of information resulting from identity theft, U.S. Code 15 ( 2010 ), 1681c-LAW 515 USC 1681s 2 ( A ) ( 1 ) states , A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Block of information resulting from identity theft, XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX What is the civil liability for 15 USC 1681 N in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court.