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

In XX/XX/XXXX, we purchased two vehicles from a XXXX dealership in XXXX, KS. The dealership qualified us for two XXXX credit cards for XXXX and I, with credit limits of {$2000.00} and {$1500.00} respectively. The dealership maxed out both cards as down payments. The dealership did not disclose the specificity of the credit cards, thus we understood the cards to function as revolving credit cards. The dealership and Comenity failed to provide full disclosure of these being promotional credit cards, with specific dates for full payment of balance, not monthly payments, as we understood. Payments were made on the due dates per the contract. Each payment made reflected an increase in credit available. 

For example, using my card transactions, due on the XX/XX/XXXX of every month. From XX/XX/XXXX to XX/XX/XXXX, available credit had accrued to {$310.00}. However, the XX/XX/XXXX balance was reduced to {$160.00} on XX/XX/XXXX there was a PROMO FINANCE CHARGE ADJ of {$210.00}. 

The XX/XX/XXXX statement reflects another avail credit accrual. However, payments made on the XX/XX/XXXX were not posted to the account until a day of two after the due date, causing late fees of {$38.00} to be charged to the account. On both credit cards, payments made on time on the due dates were processed at later dates and accounts were charged with finance charges, late fees plus interest charges. 

The XX/XX/XXXX, the credit limit was {$1500.00}. Avail credit was {$220.00}. 

In XX/XX/XXXX, credit limit was reduced to {$1200.00}, and available credit was {$10.00}. Neither the statement nor transactions provide an explanation for credit limit reduction and the {$210.00} difference in avail credit. 

As of statement closing date XX/XX/XXXX, avail credit balance was {$72.00}. However, as of statement closing date of XX/XX/XXXX, the avail credit balance had dropped to {$5.00}. Neither the statement nor transactions provide an explanation for credit limit reduction and the {$66.00} difference in avail credit. 

As of statement closing date XX/XX/XXXX, avail credit balance was {$97.00}. However, the following month, at statement closing date XX/XX/XXXX, the credit limit was further reduced to {$1200.00}, and avail credit was {$0.00}. 

Several issues in question include but are not limited to : 1. Payments made on due dates were processed at later dates and accounts charged finance charges, late fees plus interest charges.

2. Comenity failed to provide full disclosure in its credit approval process, regarding promotional credit cards.

3. Comenity failed to provide full disclosure on hidden fees and reductions of credit limits and available credit.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 with a balance of {$1100.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am in a XXXX XXXXXXXX I have some stuff credit report XXXX XXXX XXXX account for XXXX account number XXXX a XXXX XXXX XXXX account number XXXX a XXXX XXXXXXXX XXXX acount XXXX. And a XXXX XXXX account number XXXX. I asked all three credit reporting agencies for the letter. I need from the XXXX XXXXXXXX Trustee that says I can have a credit card. I have not received a copy for that letter. The next steps I will take is a court order to comple that letter. If not received from XXXX XXXX. They are in violation ilof federal laws.
Product: Credit card or prepaid card

Chase is not allowing me easy access to my account. Today, XX/XX/18 I called in. The man was borderline hostile. He demanded that I provide my full account number, even though I gave him the last four digits he requested, then he demanded my mother 's maiden name, then he demanded that I allow a text message be sent. When I questioned XXXX ( the representative ) why he needed this and asked what he would do if I didn't want this he told me that I now had NO CHOICE BUT TO BE TRANSFERRED TO THEIR SECURITY DEPARTMENT LIKE SOME ANIMAL CRIMINAL. He was rude, dismissive and vindictive. I spoke to manager XXXX XXXX who didn't need half the information XXXX did and finally answered my question. She could not explain why he needed so much more invasive information. Chase representatives need to allow access to accounts. I called from the phone number listed on my account, provided my full account number and confirmed my mother 's maiden name. That is more than enough.
Product: Debt collection

Received letter from LVNV/Resurgent stating in XXXX of XX/XX/2021. I responded and asked for validation and they sent a letter stating they were not going to investigate and I sent another letter in XXXX of XX/XX/2021informing them that their response was a violation of my consumer rights and that they didn't send the information that I requested and I haven't heard from them since then. I asked them to remove the alleged collection from my credit report while they validated the alleged debt but they didn't. I am including a copy of the letter I sent on XX/XX/2021 XX/XX/2021
Product: Money transfer, virtual currency, or money service

Three weeks ago my phone was hacked by a group of people and these people are controlling my applications, including bank withdrawals. 
Because simply if they think I have money, then they keep threatening me, stopping me from getting the money and asking me to show documents. through promotional messages
Product: Mortgage

From : XXXX XXXX XXXX XXXXXXXXXXXX XXXX Date : XXXX XXXX, 2016 at XXXX XXXX PST To : XXXX XXXX XXXX XXXXXXXXXXXX XXXX ; Cc : XXXXXXXXXXXX Subject : CANCELLATION OF TRIAL MODIFICATION Hi XXXX XXXX, This is my official notification that I DO NOT want to move forward with the trial modification that was discussed earlier today and not to process my 1st trial payment of {$1900.00} from my XXXX XXXX Account. 

Due to the trial modification being almost a {$1000.00} monthly increase it will not be affordable and I am looking elsewhere. Also, I was not aware of the balloon amortization that I have investigated more thoroughly. 

Thank you for your time and effort, but again I am declining your trial BALLOON AMORTIZATION TRIAL. 

Sincerely, XXXX XXXX XXXX XXXX Dear Bureau of Consumer Financial Protection, I sent the above listed letter of explanation declining my " Balloon Amortization Trial '' with Bayview Loan Servicing, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ref Loan # XXXX, with the hopes of continuing to work with " Keep Your Home XXXX '' who was trying to submit my loan with payment. I received a phone call this morning that Bayview Loan Servicing has denied " Keep Your Home XXXX '' the ability to make a payment on my loan and take over my loan. As, explained in my aforementioned letter, Bayview Loan Servicing, will be furhter placing me into a Financial Hardship, while the " Keep Your Home XXXX '' program will help assist me in my situation. 

How can Bayview block a Governement Agency from helping and assisting me?
Product: Consumer Loan

I applied through lending tree to get a sense of what kind of auto loan I could be approved for. On the website it clearly stated that the website would not use your ssn but would instead use a soft inquiry to assess if you could be approved. I now have XXXX hard inquiries into my credit and was being hounded by various lenders.
Product: Money transfer, virtual currency, or money service

I did a transaction with a mobile unlocked company through cash app and no feedback nor refundable
Product: Debt collection

After months of aggressive calls from this Portfolio Recovery who is collecting on behalf of XXXX XXXX XXXX XXXX I decided to give them a call, quite a few calls in attempts to resolve and satisfy. Their customer service is so bad, unethical and just inappropriate from being hung up on to practically threatened on calls I finally asked them to cease and desist once they sent claim to Attorney XXXX XXXX XXXX located on XXXX XXXX XXXX, XXXX XXXX CT. Between these two companies they claimed to have served papers to an old address which would have notified me of a court hearing. I found out about a judgment made against my wages from my employer, that was my first notice. I have since reached out to both Portfolio Recovery & Attorney XXXX office offering to satisfy account and they kick me back and forth. As a result of losing my job years ago this is one of 3 debts I have been working to resolve. This being the ONLY company I can not communicate with. Currently I have a garnishment for one of the 3 debts that will go on for the next 1.5 years.  Since Attorney XXXX office was awarded garnishment to my wages their wage execution will not start until possibly XXXX. After numerous attempts of offering to satisfy account and settle, Attorney XXXX office refused any offers since the execution of wages was approved. I filed motion to modify and took them to court on XX/XX/XXXX and advised them I never was notified of court hearing to make any argument but was willing to discuss any settlement to be done. I explained to the court that I never received or was served and the judge instead was asking the plaintiff attorney to help him understand the process once the garnishment is in place. None of this made sense. Now here I am, having had my credit already tarnished the last 4 years at least, trying to clear this debt which by the way was partially disputed with original creditor prior to any collections but neither company will allow me to do anything to resolve. What sense does it make for us to wait and sit on a debt for the next two years until my current garnishment is done to then get paid at {$10.00} per month for the next 5 years when I am more than willing to offer atleast 50 %. The 7 year statue will kick in before they are even done being paid. This company is a disgust and the attorney representing them, just no way to communicate with people. I am unsure how to expedite the settling or satisfying of this debt. This is morally wrong on every level. They refused to remove disputed and unauthorized charges and also refused to settle on any level even when I decide to pay against what I know I do not owe. Keep in mind I was NEVER served any court notice. Who would choose to not show up to a court hearing.
Product: Debt collection

I contact the credit collection agency, and told them I never received 1 phone call or a letter from them. I had no idea that I had an unpaid debt. They stated they mailed a letter to my old address, then to much current address. I told them that was false because I never received anything from them. They even verified my address and phone #. So they never bothered to contact me. They said it was a debt back from XX/XX/2018 which would still be false because if they had a bad debt to collect, then it would have to be something that wasn't paid for at least 30 days which would date back into XX/XX/2018. For which I shouldn't have had anything past due at that time. So the medical center is to blame for sending me to collections for something that I wasn't past due on. Debt amount was {$65.00}. I paid them with my credit card on XX/XX/18. I found out about this being reported to my credit through XXXX XXXX. If I would have been notified I would have immediately paid it before it was put on my credit report. 
Collection agency is : Overton , Russell , Doerr and Donovan , LLP XXXX. XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate the items for me to ensure accuracy. 
Here is the item I am asking to verify accuracy. 
( XXXX XXXX XXXX  ; Account Name : XXXX (
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a mortgage with XXXX XXXX. I contacted them directly to refinance my mortgage. I did not XXXX or use any social media to search for information. As soon as XXXX XXXX pulled my credit report, my husband and I both started receiving phone calls and text messages from random mortgage services/companies. Now XXXX XXXX wouldn't sell our info to other other mortgage companies because that would be their competition. The only thing I can assume is that Equifax, XXXX and XXXX are allowing other entities to monitor my credit report and once someone pulls it, they're notified and know exactly what type of financing. I'm sure the 3 credit reporting agencies are also making money off of my private information. HOW IS THIS LEGAL??? My husband receives 10 plus phone calls every day since our credit report was pulled by XXXX XXXX. He receives the same amount of text messages. All from random companies and numbers. As soon as he blocks one number, they call with another number. I also am receiving calls and texts on my phone. It's a violation of our privacy and this practice needs to STOP!
Product: Credit reporting or other personal consumer reports

I have been trying to dispute XXXX  and/or XXXX  items listed on XXXX XXXX report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached XXXX  and XXXX  for referenced issues from above.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Removal of Negative Accounts from TransUnion Dear CFPB, I am filing this formal complaint to demand the immediate removal of two negative accounts reported by TransUnion on my credit report. These accounts are inaccurately reported and violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 
Negative Accounts to Be Removed XXXX. XXXX XXXX  Account Number : XXXX Balance : {$440.00} Past Due Amount : {$30.00} Payment Status : 30 Days Late XXXX. XXXX Account Number : XXXX Balance : {$3000.00} Past Due Amount : {$3000.00} Payment Status : Collection/Charge-Off
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Nissan-Infiniti XXXX for several serious violations of my consumer rights. Here are the issues I am facing : Privacy Violations : Nissan-Infiniti XXXX shared my personal financial information with third parties, including other financial institutions and credit agencies, without giving me the chance to opt- out. This is against both Federal law ( Gramm-Leach-Bliley Act ) and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). Lack of Consent : I told Nissan-Infiniti XXXX that I did not agree to them sharing my information. They responded that they were allowed to do so according to their Privacy Policy. However, their policy should comply with federal privacy laws, which they are not following properly. Missing Documentation : I have asked Nissan-Infiniti XXXX twice for a complete record of my account, including signed documents from an authorized representative. They have not provided this information, which goes against the Truth in Lending Act ( XXXX ). Identity Theft : By sharing my personal financial information without my consent, Nissan-Infiniti XXXX is committing identity theft. This not only violates my rights but also uses illegal methods to collect debts. Invalid Contract : The contract or Promissory Note involved is not valid. It appears to be designed to commit identity theft, violate my rights, and illegally demand payments. This contract violates TILA and other laws. I believe the contract is void and unenforceable, and I am seeking damages for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in relation to credit reporting and debt collection, involving XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I've only been dealing with these companies the last couple of months, periodically. As recent as XX/XX/2018, XXXX XXXX  sent me a letter informing me that they had reported a debt on my credit report to a credit agency, Experian. I am very baffled by this action, but I currently have a written dispute with XXXX XXXX XXXX and XXXX XXXX  in place. Neither company have completed the validity of debt as requested within the 30 days when first requested. XXXX XXXX reported this debt without notification that it was being disputed. This is unfair and deceptive. I was informed by XXXX that XXXX XXXX purchased the debt, but XXXX XXXX indicated in the letter XX/XX/2018 that i must dispute the debt with XXXX. I have already disputed the debt with XXXX who was collecting on behalf of XXXX XXXX, and I was told that Navient, no longer own the debt. On my credit report, it indicates, I believe that XXXX {$0.00} and XXXX XXXX XXXX, which they added XX/XX/2018. 
Additionally, on XX/XX/XXXX, XXXX XXXX wrote me threaten that my employer would be contacted for wage garnishment. Initially, I thought why is this company contacting me about wage garnishment, attempting to collect a debt. I did not know nor did XXXX XXXX disclose that they were affilated with XXXX XXXX. This is unfair and deceptive in nature. I just want fairness and the intimidation tactics and unfair credit reporting to be removed. I would like to know the relation to all these companies because something is not right, and my rights are being infringed upon as well as, I'm sure many consumers. We as consumers are expected to follow procedural methods to dispute of a debt and these companies should be expected to complete the validity of a debt within the 30 days of the expected first request to the party who requested. This is a debacle and a scam that causing me distress and uncertainty. Please assist with fairness of this matter.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WHIT THR FAIR CREDIT REPORTING ACT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PROVACY.

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: Credit card

Unauthorized withdrawal from my checking account - I have a Citi Costco and an online bill paying account. Last month, I had been trying many times to pay online on different days but not successful. I ended up mailing in a check to pay in full. Then I check my citi online account and they took money out from my checking account, I never rec 'd any confirmation ( signed up for text alert for account changes ) ; I am not enrolled in auto pay but it says online that the payment was scheduled on XXXX. That means I paid twice last month. Called last week for the money back, not happening ... then called again today ( XXXX @ XXXX EST ), they told me it would take up to 30 days. Customer Service Rep XXXX was so rude as well, unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXXXXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : AXXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX Account XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : 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: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate information or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to provide consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.