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

I called to ask for a retention offer and I never gave permission for them to close my credit card. I complained about 1. bad service 2. the annual fee.

The call got disconnected ( which in such a case has happened before and nothing happened after that ) and my credit card got closed 9 hours later against my consent and will. 

I tried to have them reinstate it and they claim the card is no longer offered which is a lie at it's best. The card is a XXXX XXXX XXXX XXXX. 

I would like to add that this has happened to me before and I was shot down by Amex all day until I opened a CFPB complaint ... ... it seems Amex won't move until they get pressed against the wall.

See link below that it is still being offered : XXXX XXXX XXXX I called them numerous times and spent more than 5 hours on this and was told yes we will get it sorted and all this and then only to get told no later on in the phone call. 

In addition I have some {$7000.00} in charges that are eligible for XXXX points per dollar which is XXXX points and now I will also be losing these points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Card Financial Svcs ( " DCFS '' ). On XX/XX/XXXX, " XXXX '' from DCFS ' Executive Office located in XXXX, XXXX contacted Complainant by telephone to inform him DCFS was conducting a " verification '' of Complainant 's income tax records. Complainant told XXXX he is a XXXX XXXX XXXX  who receives XXXX income. Complainant explained by federal law, he is not required to submit a federal income record. People on XXXX DO NOT PAY INCOME TAXES. Still, XXXX continued to 'gaslight " Complainant stating DCFS needs to conduct a verification with the IRS XXXX Complainant told XXXX the IRS will not release information w/o my consent. On XX/XX/XXXX, DCFS notified Complainant by mail and email his Credit Card was CLOSED due to " no verification. '' [ DCFS refused to disclose what they were seeking to verify in writing. ] On XX/XX/XXXX, after being transferred from DCFS ' Customer Service to DCFS ' credit bureau or XXXX XXXX XXXX XXXX XXXX Complainant spoke to a Svc. Rep. name " XXXX. '' XXXX explained according to the notes, Complainant was contacted on XX/XX/XXXX. Complainant was sent electronically a Federal Income Request Form - 4506 Federal Form. Complainant electronically filled out, and signed said form. Complainant e-mailed said form back to DCFS. THIS DID NOT HAPPEN! On XX/XX/XXXX, the IRS denied verifying Complainant submitted his XXXX income taxes. This is how DCFS justified CLOSING my Discover Credit Card. 

Accordingly, DCFS has committed Federal Fraud by misusing an online, federal, electronic signature 4506 Form. Then submitting said form to the IRS without my knowledge and consent. THIS IS FRAUD! 

According to my email server, no email contact was ever commenced on XX/XX/XXXX between Complainant and DCFS. DCFS ' IP Computer Address will show they never sent me a 4506 Income Tax Request Form. ( Had they done so, I would NEVER have filed it out. ) This is a federal crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in constant battle back and forth with Equifax for almost 3 years now. they have blocked me from being able to dispute items on my credit report. They have opened investigations and closed that were not submitted by me. They still have the wrong date of birth on my credit report two years after sending them the proper verification of my correct date or birth several times via fax. They currently state that my account is being held by a special handling department in which I can only speak to them. They will not thoroughly investigate items that I did properly dispute, they just update my report with verified but will never ever provide proof of that which they say they verified. They have allowed a creditor to pull a hard copy of my report 9 times within a two month time span and didn't even think that to be strange. XXXX XXXX XXXX pulled a report on my credit without my consent to pull XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019. XXXX XXXX does not have anything signed by me that I gave them permission or even knew they had did this to my credit report this many times. I have tried to get some resolution with Equifax but to no avail. The block was removed 2 years ago when I advised CFPB of what they were doing and now it seems to be placed back on there. It states that I have investigations in process, which I have not called them or talked to them in a while so how can I dispute something that I have no knowledge of.
Product: Debt collection

Failed to validate debt. 
Specifically, you : DISCOVER BANK ( {$190.00} ) ( {$310.00} ) you are in Violation of reporting accounts especially with different amounts if this account is charged off. 
-Failed to validate a debt at my request-FDCPA VIOLATION -Continued to report a disputed debt to the CRA- FCRA VIOLATION -Continued to attempt to collect a disputed debt- FDCPA VIOLATION -Reporting a charged off account with a balance- FCRA VIOLATION -Ignored my request for proof of my signature-FDCPA VIOLATION Not only have you ignored my prior request for Validation of Debt, but you also continue to report this charge off account with a balance causing damage to my character. I AM NOT ASKING FOR A COPY OF A BILL OR SUMMARY! Please provide full proof of this debt including MY SIGNATURE binding me to this debt that you claim belongs to me and that I owe. This letter will request that you follow guidelines of The Fair Debt Collection Practices ( FDCPA ), 15 U.S.C. & 1692 and please provide the following : VALIDATION OF DEBT REQUEST -PROOF OF THE CREDITORS RIGHT TO OWN/COLLECT THIS ALLEGED DEBT- BALANCE CLAIMED INCLUDING ALL FEES, INTEREST AND PENALTIES -CONTRACT BEARING MY PERSONAL SIGNATURE- LICENSE PROOF OF THE CREDITOR TO COLLECT DEBT IN MY STATE. I expect to receive the proof I requested above, within 15 days of this letter. Should you continue to ignore my request for this validation letter including proof of my signature, you are in direct violations of my consumer rights as indicated under both the FDCPA and the FCRA. I advise you to delete this account from all credit bureaus. Each Agency is reporting different days, times, absurd comments I have never made, reporting a balance on a charged off account which is a FCRA violation, and your report lacks complete accuracy. This is not professional at all, and it is against the law to report incorrect information. DO NOT send me a summary or a bill without my signed signature that bonds me to this debt. I have been a victim of Identity Theft and have been dealing with fraudulent debt for the past few years. The credit bureaus are aware of my Identity Theft as well. If you fail to follow the law, I will report you to the Consumer Financial Protection Bureau as well as the XXXX.
Product: Mortgage

In XXXX the loan on my house was sold to a group of investors. My husband became sick and medically XXXX. I called Wells Fargo bank and they did a temporary loan modification on a variable loan but would not refinance due to my income was not enough and my husband was pending federal XXXX which further disqualified us. The payments became so high and the bank foreclosed in XXXX. We attended workshops out in XXXX, CA where other different ethnic people were able to modify to a reasonable permanent loan and were celebrated with bells and whistles. We literally were the last people out of the place ( we are XXXX  ) and was informed by Wells Fargo that we didnt qualify for a permanent loan modification due to our loan was sold to a special group of investors that would not modify it. This whole ordeal has led to my divorce and Im still currently unstable with living conditions. This was unfair practices as we were in a recession and my husband and I were discriminated against
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX BMW Financial Amount Owed and still reporting on Credit {$12000.00} This Debt was a joint debt with my Ex-wife which this vehicle was awarded to her in the divorce that made her solely responsible for the vehicle. She then let the car get repossessed and filed for chapter XXXX bankruptcy which she knowingly knew and her lawyer knew that she could not discharge this debt. 
Please see Case In the Matter of XXXX & XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) ( The issue here is whether a debt under 11 U.S.C. 523 ( a ) ( 15 ) is automatically non-dischargable in bankruptcy, or whether the creditor must request the court not to discharge the debt. We conclude that since the passage of the Bankruptcy Abuse Prevention And Consumer Protection Act of XX/XX/XXXX. ( XXXX ), XXXX. XXXX XXXX ( codified as amended at 11 U.S.C. 523 ( XX/XX/XXXX ), a debt under 11 U.S.C. 523 ( a ) ( 15 ) is automatically non dischargable in chapter XXXX bankruptcy )
Product: Payday loan, title loan, or personal loan

XXXX : XXXX XXXX - credit line of {$130000.00} XXXX XXXX XXXX - agreement to make 180, prime rate payments of {$830.00}. 
Maturation XX/XX/XXXX, with a {$25000.00} balloon note. 
XXXX : The BANK CALLED ( unidentified, later ID REGIONS ) " We are going to have to raise your interest rate to 6.74 %. ". There were NO signed documents replacing the original XXXX XXXX  agreement giving REGIONS authority to collect for the loan. REGIONS could not produce the XXXX. XXXX  agreement. They were furnished a copy of the original from MY FILES. One specific remained ie : Loan number. Maturation CHANGED TO XX/XX/XXXX XXXX : REGIONS - In bank meeting - ... '' Balloon note is {$25000.00}. '' XXXX REGIONS - Title search, real estate mortgage, subordination to First Mortgage, NO balloon note, expected principal balance at maturation {$94000.00} XXXX REGIONS - New 15 yr, 4 %, principal has been paid down to XXXX 
PROBLEMS : # 1 - Line of credit originally ; # 2 Absolutely NO documentation of REGIONS loan. # 3 MANY SLEEPLESS NIGHTS AND WORRY
Product: Mortgage

I requested a list of SPS approved appraisers in order to oreder a valuation and XXXX XXXX advised me that is proprietary infomration although they sent me letters stating I have to order from a SPS approved appraiser. IN addition he stated he has to start the process although the letter states I have to order. Also, he stated I can not use a BPO although documentation states an appraisal or BPO can be used. He also stated he can not give me the price of either valuations and that I would just have to order and they will place the billed amount on my account. I have never order an appraisal with out knowing the costs up front. He stated he would look into it.
Product: Money transfer, virtual currency, or money service

I contacted who I thought was XXXX XXXX XXXX for a meeting, she gave me her managers email,. The manager asked for XXXX for a meeting card and the I sent it to her manager throughout cas app. XXXX never showed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the state of Missouri one has the right to bring civil action against anyone including a consumer reporting agency who knowingly fails to correct inaccurate file data, and this is the case here. I have on many occasions requested physical certified documentation of the following disputed accounts inwhich you are reporting but never recieved any thing. I also requested the Method of Verification inwhich I asked for all the investigators information inwhich derived to stating that these accounts been verified. What is this persons name and title, and on what date did this take place?, what hour and what was the Method of communication. If all this can not be provided to me then as written within the laws of the FCRA these accounts shall be removed immediately. The following accounts are : [ 1 ] XXXX XXXX [ 2 ] XXXX XXXX XXXX [ 3 ] XXXX XXXX [ 4 ] XXXX  XXXX XXXX [ 5 ] XXXX XXXX {$2300.00} [ 6 ] XXXX XXXX XXXX XXXX {$790.00} [ 7 ] XXXX XXXX XXXX {$760.00} [ 8 ] XXXX XXXX   XXXX [ 9 ]  XXXX XXXX [ 10 ] XXXX XXXX [ 11 ] XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX I refinanced my loan on the property that I 've lived in since XX/XX/XXXX ( the refinance was to remove my exhusband ). At that time, I was told that flood ins was not necessary and was provided a XXXX stating flood zone XXXX. ( I have never been required to purchase flood ins since owning the property beginning in XX/XX/XXXX. ) Now my mortgage co, PHH Mortgage, has stated that I 'm in XXXX XXXX and do have to purchase ; they purchased on my behalf and have begun to escrow to my acct. As the FEMA flood zone mapping has not changed since XX/XX/XXXX, I do not understand why this has changed and I 'm now required to purchase. Upon questioning this, I was told that it is because of a very, very small portion of the SE corner of my house as in the XXXX XXXX, however this is where my septic drainfield is located and is elevated due to this. The base elevation of my floor is XXXX ft XXXX in which is XXXX more feet about the XXXX ft 100 year flood standard. My house is on a concrete pad so there is no basement or crawl space that can flood. I would only have damage if the water gets over XXXX feet. 

Also I know that my neighbors directly north of me were told by their bank that they did n't need a floor elevation on the survey since none of their property is in a flood zone, and my floor is XXXX in higher than theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my consumer report which has caused severe XXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act XXXX, EQUIFAX and XXXX has violated my rights. 

-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX XXXXXXXX, 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 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Had not used my XXXX store credit card for some time. Saw my credit report and saw account had been closed despite being open for 10 years with no late payments. Called to request it be reopened and was denied and basically was told they can close for any reason with no warning to customer.
Product: Debt collection

It was very difficult to pay my old HOA or even contact them. The HOA changed last year and took over my current amount owed. They immediately tried to collect in a very busy time and before I even knew of the threat of collection they sold my debt to a 3rd party which immediately tacked on XXXX dollars of additional charges for their benefit and threatened a lien against my house. I requested scans or copies of all paperwork with my signature showing I was responsible to their company for these charges on XXXX to which they never responded but are still sending threats of liens and bad credit reporting so that I can't dispute it on my credit report but they can continue to push the process forward in their favor. It is now XXXX and when I called I was left on the phone for 20 minutes and they received a message saying no one is there to take my call, again pushing back my ability to deal with this.
Product: Credit card or prepaid card

XX/XX/2020 I received a Visa Debit Card from U.S. Bank ReliaCard in the mail. 

I did not request this card, nor do I receive, nor have I ever applied for, government benefits. 

I attempted several times to call and cancel this account. I did not activate the card or provide any personal information although to get through on the phone menu I was asked to provide personal information, which I did not. 

I am concerned about this being a phishing scam and also that my identify could be compromised. 

There is no mechanism to contact the company and deactivate this account or remove myself from their phishing database. I do not wish to identify myself to them considering to do so, it would mean that I would have to give them more information about myself.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I sent my dispute letters several times to the credit bureaus but until today I still have not received any results. Here are the accounts : XXXX/XXXX  Account # : XXXX XXXX/XXXX  Account # : XXXX XXXX  XXXX Account # : XXXX & XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX
Product: Debt collection

The company BL have been charging me a false amount of money when I haven't been living or renting at that specific location.
Product: Mortgage

I fell behind on my mortgage so I hired an attorney to assist me in applying for assistance. My attorney provided PHH/XXXX with everything they needed on XX/XX/19. Complete loss mitigation application and financials. My attorney has been calling now since that date and the phone originally would not pick up. It said they have technical difficulties. I have a notice default and my home is scheduled for foreclosure soon. My attorney says there is RESPA Law Regulation X that requires a servicer to respond and review my request within 30 days. It has now been over two months and no response. They are in violation of RESPA law and this is not fair and illegal.
Product: Credit card or prepaid card

This is the third my complaint and Discover does not resolve the issue which leaves me no other solution but to close this card
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Equifax on different occasions to investigate a dispute I submitted regarding incomplete information appearing on my credit report provided by them. The account, XXXX # XXXX, is missing its date of last activity. 

Equifax is required by law to provide me with a complete and accurate report, but they have not corrected my report. ( see complaint # XXXX ) It is a violation for Equifax to knowingly state that something is complete and accurate, when it is clearly incomplete and inaccurate! They can not report that my account is verified and accurate, when it is not. 

Equifax is required to update my file with the missing information, or delete the account. They have not updated my file. The missing date of last activity still exists. The account has not been deleted. 

Since Equifax will not properly investigate, I am requesting that this account be immediately removed from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Also, It's already been paid the company agreed to removed/delete it. Please remove/delete the following accounts completely from my Credit Reports : XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}
Product: Vehicle loan or lease

I have contacted Kia Finance several times. My original loan amount was {$38000.00} starting in XXXX. In XXXX i paid down the loan amount significantly and currently i owe {$21000.00}. They have not updated my remaining loan balance since XXXX and they are refusing to do so or tell me why they havent done it In several months. It is affecting my credit and making it impossible for me to refinance my loan because it currently shows i still owe {$38000.00}. Which is grossly inaccurate. The only thing i was told is that my payments were applied to the principal, applied to future payments and theres nothing they can do. I can provide my statements as evidence.
Product: Vehicle loan or lease

Cascade Capital LLC just lied to me and tried to get money from a person with mental disorders. I am on XXXX this company is in Texas she claimed I was not included in the XXXX $ lawsuit fraudulent tried to get something out of. I am getting my attorney know 1 for lying and taking advantage of a XXXX citizen in the Great usa. Lol The terms were terrible with XXXX XXXX back in XXXX I had the car repoed XXXX XXXX XXXX in in XXXX I spoke with XXXX and said I should receive my post card soon. That is pure and under Trump.