23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Subject : Request for Investigation into Unethical Payment Practices and Breach of Contract by XXXX  Complaint Details : I subscribed to XXXX for a 12-month plan at {$470.00} per month. Due to a breach of services promised by XXXX, I decided to cancel my subscription. However, XXXX has refused to allow cancellation, citing their policy. 

In an effort to stop further payments, I removed my credit card information from their platform and requested a new card from Bank of America ( BOA ). Despite this, XXXX was able to charge my new card. BOA informed me that Visa/Mastercard has agreements with certain companies to automatically provide new card information for recurring subscriptionswithout the cardholder 's consent or authorization from the issuing bank. 

This practice raises several concerns : Lack of Consumer Consent : I did not authorize Visa/Mastercard or BOA to share my new card details with XXXX. This feels like a breach of my financial privacy. 

Ethical Concerns : If this practice is legal, it is certainly unethical, especially when the consumer disputes the legitimacy of the charges. 

Breach of Services Promised : XXXX failed to deliver the services I was promised during the sales call. They have refused to address my complaints or allow termination of the subscription. 

Inability to Stop Payments : This situation has left me with no practical recourse to stop payments, obligating me to pay over {$5000.00} for the remainder of the subscription term for a service that has not met expectations. 

I believe this arrangement unfairly favors large corporations over individual consumers and makes it legally and logistically difficult for consumers to resolve disputes. 

Relief Sought : Investigation : I request an investigation into the legality and ethics of automatically sharing new credit card information with merchants without consumer consent. 

Resolution with XXXX : Assistance in canceling my subscription and stopping further payments. 

Consumer Rights Clarification : Clear guidance on my rights regarding this practice and steps I can take to protect myself from similar issues in the future. 

I appreciate your attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I've previously contact this company as this information is incorrectly reported on my credit filed and don't owe this company because I didn't sign an obligation with them for anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALLY FINANCIAL is reporting a paid charge off on my credit report which is inaccurate, account was paid on time and in full. 
- Closed 3 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Lease Balance on XX/XX/XXXX Loan Amount - {$20000.00} Payment Info Status Paid, was a charge-off Status date XX/XX/XXXX Past due amount - Original loan amount {$20000.00} Monthly payment On Time CO Charge off - Data Unavailable Additional info Responsibility Individual Terms 37 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees
Product: Credit reporting

COMPANY CONTINUE TO REPORT OUTDATED INFOR PAST 5YRS SINCE 2011 ; STATUS OF LIMITATION TO RETAIN OVER 5YRS OLD AND MUST BE REMOVE, NOT MY ACCOUNTS OF INSUFFICIENT FUNDS INCORRECT DATA REPORTED. VIOLATES FCRA AND FCBA..SAME INFOR REPORTED ON FILE 5 TIMES
Product: Credit card or prepaid card

i have a serve pre-paid card through american express which i got from XXXX XXXX when i filed my taxes and my refund was loaded onto the card. today i received an email saying my account has been suspended/locked due to fraudulent activity. the reason why is because XXXX XXXX XXXX store wants to give me back a refund of {$1700.00} and the serve team stopped the refund and i can not access my account i can not use the card at all. i have XXXX XXXX and have no money i have over {$500.00} on the card currently and can't get access to my money. i called the company they said they will mail me a check for the balance i had on my card to my address i no longer live at and they also said they can not update my new address because my account is locked and no longer active. i also have i {$1700.00} refund along with a few other deposits coming to that account number which i will never get because the card no longer works. i have XXXX XXXX and i need my {$2000.00} dollars that is mine and i worked for i do not have a single XXXX to feed my children and no credit to get a loan i need help ASAP. please call XXXX or my cell XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Caine & Weiner debt collector has refused to update my credit reporting. XXXX XXXX made an error on my account and did not close my account properly in XXXX XXXX even though I provided my insurance declaration page from XXXX XXXX. After reporting the insurance company to the Department of Insurance they send me a notice indicating they correctly cancelled my insurance in XX/XX/XXXX and sent me a refund for {$51.00}. I contacted Caine & Weiner today and they said XXXX pulled back the account to show I no longer owed an debt however they have not updated their system. XXXX and Caine & Weiner are violating my rights under FCRA by failing to update my account with the credit bureau agencies which is impacting my ability to buy a house as my credit score has dropped. 

I want my account updated immediately as it has been over a month since XXXX realized their mistake.
Product: Credit card

tired of doing this. i have been with ciri bank 25 years plus what banking does not do sometimes is get to know their customers. XXXX does XXXX XXXX and i use those cards for major purchases. not citi. since there is no loyalty since XXXX they have XXXX dollars of interest they refuse to refund all of a sudden when it was happening. i have medical debt that could if i so chose allow me to discharge all. i am not doing this though. 
i am very frustrated at the scripts and bureaucracy in the financial industry what a disappointment that you dont get loyalty for loyalty so i cant give it. onceciti refunds it wuthout throwing it in my face or scripting me. or telling me its valid i will add it to my list of preferred cards. this is for my card ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial is reporting that on XX/XX/2018 & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Product: Debt collection

I have been receiving illegal phone calls from XXXX XXXX # XXXX** with a REF # XXXX. I have requested that XXXX XXXX Stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. I have requested the proper documentation several times as original contract with a signature and all related materials. I have received NOTHING! Over 90 days ago, I wrote to each of the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far, none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there still is no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
Product: Credit reporting or other personal consumer reports

I applied for a credit card with XXXX XXXX  XXXX XXXXXXXX XXXX Rewards once. They requested my credit information 7 times in a short period of time, sometimes multiple times in one day. This was not authorized by me and I would like them to remove these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditor so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The state tax lien that is being reported on my credit report was satisfied and paid in full on XX/XX/XXXX. The tax lien was filed on XX/XX/XXXX. The tax lien was reported to the CRA 's, by a third party vendor, in XX/XX/XXXX. The tax lien DID NOT include a full social security number and did not contact my DOB. The document does not meet the required information to be included on my credit report. One CRA has removed it after confirming required information was missing. The other two are NOT cooperating and will not confirm if the required information was included. I spoke with two supervisor 's - one at each entity - both confirmed that in order to include the lien on my report, 3 of the 4 pieces of personal information are necessary. Neither would tell me if my file included that information. Please understand that I personally went to the county courthouse as a " third party '' and requested a copy of my tax lien. I received exactly what XXXX ( third party vendor ) would receive to report to the CRA 's. THE DOCUMENT DOES NOT INCLUDE THE MINIMUM REQUIRED INFORMATION. Therefore, the lien should be removed immediately.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account XXXX : XXXXXXXX XXXX  Account Number : XXXX
Product: Credit card

I applied and received a Synchrony sports credit card, and I have been making payments on auto pay, somewhere in XXXX of last year my credit score took a dip, so Singh decided to close the account, further hurting my credit score. At this point, I had not missed a payment. a promotion ended for a balance of {$700.00} that needed to be paid for the promotion but instead of charging the penalty to the balance, they charged it to the entire balance of the credit card. Therefore, adding another XXXX dollars to the balance. This seems counterintuitive and counterproductive to Synchrony closing the account so I wouldnt go further in the debt but then they charge me {$1000.00} worth of interest, I think that that is robbery, immoral and unethical on all levels of business. Im sure this was stated in the 3000 word essay in the contract for the terms and agreement. However, in the normal practice of consumer and retail nobody ever has that time to read that again all of this seems very suspicious.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 card

NOTICE to TD Bank N.AXXXX, I, XXXX XXXX, in good faith, hereby request that TD Bank N.A. issue out a new credit card to me at my mailing address on file at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As the issuer, drawer, and maker of the original instrument, I exercise my rights to enforce the instrument. SEE UCC 3-301. PERSON ENTITLED TO ENFORCE INSTRUMENT. In the event, TD Bank, N.A deprive me of my right to my credit, I alleged deprivation of rights to life, liberty, and happiness. In addition to violation of 18 U.S. Code 894- Collection of extensions of credit by extortionate means. I pray TD Bank N.A. acts in good faith, and issue out to me a new credit card with the credit limit of {$5000.00}. Thank you, best regards. XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX 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 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are all unauthorized credit inquires.
Product: Credit reporting or other personal consumer reports

I have been trying to access my online Equifax online account to see my credit report, score and the ability to lock and unlock my credit report. I have been trying to access my online account since XX/XX/year>. I have called them several times over the years, and they have taken several technical issue reports, and when I would call back, they would say the issue had been resolved. Also, they have responded to my emails stating the issue was resolved, which neither time has it been. If this can not be resolved here, I will need to hire an attorney to see what I'm entitled to because they are leaving me open to possible fraud, being that like any other consumer, I can't lock my credit report. I have attached some of the emails below, but there are several others back and forth with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the law, I am protected. The bureaus can not have information on my credit report that can not be 100 % correct, 100 % validated, original contract with signature proven/on file. This is under the FCRA, FDCP. In addition, I am entitled to {$1000.00} PER offense, PER bureau for defamation of character and then some.

Attached you will find letters I received asking the company to VALIDATE that I have an account with them by sending me a copy of the ORIGINAL CONTRACT BEARING MY SIGNATURE. If they claim the account was requested via the INTERNET, I requested a copy of the video surveillance showing ME filling out the application. If the account was requested by phone, I requested a recording of the phone call. In each letter from the company the state : " WE DO NOT HAVE A PHYSICAL COPY BEARING YOUR SIGNATURE '', " WE 'BELIEVE ' this account was established by YOU. '' Excuse me?? This is not VALIDATION. This is NOT proof that I have an account with you. Some claim they received payments during the time the account was opened. Still no proof. STATEMENTS ARE NOT PROOF OF VALIDATION.

I want these accounts immediately removed from ALL BUREAUS. If the company itself has no proof they can validate that " I '' have an account with them, then the bureaus are also lying and reporting falsely because I hold the document that will prove to a judge in a courthouse, in my venue, that neither the original debtor, the bureau, or XXXX XXXX, XXXX XXXX, ANY collection/third party holds a contract with me. Electronically : no video. Physically : no signature contract. By Phone : no recording of me requesting account. SO TELL ME : HOW IS THIS VERIFIED OR VALIDATED??
Product: Credit reporting, credit repair services, or other personal consumer reports

Under section 3513 ( d ) of the CARES Act, all student loan payments should not show up as deferred, but rather should be shown as if regularly scheduled payments are being made. Transunion is reporting deferred payments and is negatively impacting credit reports/scores, which goes directly against the CARES Act.
Product: Checking or savings account

XX/XX/2019 opened an account with MTB Bank. I was able to successfully open the account and also make 2 small  deposits totaling XXXX cents from my other bank institution so they can verify the deposits and allow me to make transfers back and forth. 
My account was immediately locked by MTB until they received a copy of my ID and social security card. I sent a fax with my prior year tax returns and a copy of my license but MTB said they needed a copy of the actual card ( I lost it ). 
I am trying to close my account as I haven't had time to obtain a new SS Card and MTB is telling me they can not close it because it has a balance of XXXX cents. The problem is I can not withdraw the XXXX cents because the account is locked. In addition they have been charging me service fees ( without my knowledge ) without even being able to access or close this account.
Product: Debt collection

Subject : Complaint Regarding FCRA and FDCPA Violations by LNLV FUNDING I am writing to file a formal complaint against LVNV FUNDING for multiple violations listed below of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Over the past several months, LVNV FUNDING has repeatedly re-aged the account on my credit report, which has caused significant damage to my credit score. 

Details of Violations : XXXX. Re-aging of Account LVNV FUNDING has continuously updated the dates on this account, making it appear as though these debt is more recent than they actually is. This practice is in direct violation of the FCRA, which prohibits the re-aging of debts to extend the reporting period. 
XXXX. LVNV FUNDING ACCOUNT # : XXXX ( XXXX XXXX ) XXXX STATUS DATE : XXXX XXXX STATUS DATE : XX/XX/XXXX LAST UPDATED DATE : XX/XX/XXXXXXXX XXXX. XXXX XXXX EACH MONTH XX/XX/XXXX XXXX 2025 XXXX  instances XXXX. LVNV FUNDING ACCOUNT # : XXXX ( XXXX XXXX ) XXXX STATUS DATE : XXXX XXXX  STATUS DATE : XX/XX/XXXX LAST UPDATED DATE : XX/XX/XXXX XXXX XXXX XXXX EACH MONTH : XX/XX/XXXX ; STATUS DATE XX/XX/XXXX XXXX instances XXXX. Damage to Credit Score : Due to the repeated re-aging of these account, my credit score has been negatively impacted. This has resulted in higher interest rates on loans and credit cards, as well as difficulty in obtaining new credit. 

XXXX. Monthly Penalties : According to the FCRA, violations can result in penalties of up to {$1000.00} per month for each violation. Given that this has been occurring for several months per account, the total potential penalty could be {$21000.00}. 

XXXX. Continued Updates : Despite my repeated attempts to resolve this issue through my attorney with LVNV Funding, the account continue to be updated monthly, further exacerbating the damage to my credit score.

Since these disputes have been ongoing through my attorney for over a year without corrections. 

Supporting Documentation : Attached to this complaint are copies of my credit reports that support my claims : my attorney has been diligent in trying to get responses from them, sometimes to no avail.
Product: Mortgage

I am exempt from property taxes because I am a 100 % XXXX veteran and this company is continuing to charge me for property tax even though my county informed them that I am exempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act multiple companies between XXXX XXXX XXXX have violated my rights. 

25 U.SC 2681 section 602 A states I have the right to privacy.

15 U.SC 2682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shopping via the Internet and was purchasing a product. I was given the option to us XXXX or use my credit card. I chose to use my credit card. I completed the process by providing the details of my credit card and home/billing address. I was later informed by credit watch services that I subscribe to that a hard credit inquiry had taken place on my file. Since I was paying by credit card, there should have been no reason to pull my credit report. The credit report was pulled by XXXX XXXX XXXX XXXX/XXXX XXXX on XX/XX/2020.