23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

At XXXX pm on XXXX XX/XX/2022, I received an email notice from Discover Bank stating that unusual activity has been noticed on my account, that my account has been summarily rendered inaccessible, and to call their security number. I called and waited on hold, then it disconnected me at 3 hours and 2 minutes of holding. I called again and waited on hold, then again got disconnected at exactly 3 hours and 2 minutes. I called again the morning of XXXX XX/XX/2022, and the same 3 hours and 2 minutes disconnected hold happened again. On a fourth call, the automated machine states that a wait will exceed 3 hours. On another call to the main line, the representative stated that the only way to get in contact with security is the wait on that line. However, Discover disconnects calls at 3 hours, so it may be impossible to get in contact with the relevant department. As it stands, Discover has revoked my access to my money while not accommodating any attempts to make contact. I have spoken with others who bank with Discover and have found that they too are in this situation with no recourse.
Product: Debt collection

This company ( Hunter Warfield ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract.

Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : House of XXXX ). 1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXXXXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent me a letter that they closed my account with no reason. My payments were made on time for the 3 years I had the credit account. 

They are telling me that this is based on information in my credit report which is not there. They also ran my credit without my permission. 

I spoke with an XXXX at XXXX executive response team. He was rude and demeaning, hung up on me twice, refused to give me his supervisor and told me if I called block my number would be blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED OFF MY CHALLENGE LETTERS TO VALIDATE DEBT OWED, AND WAS NOT NOTIFIED OF INCORRECT INFORMATION ON MY REPORT. 

I MAILED ON XX/XX/2022
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 trafficking. 


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

FCRA Violation personal information not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation auto loan not mine XXXX XXXX XXXX XXXX XXXX FCRA Violation credit cards not mine XXXX XXXX XXXX XXXX FCRA Violation other accounts not mine XXXX XXXX XXXX XXXX FCRA Violation collections not mine XXXX XXXX XXXX LVNV FUNDING LLC LVNV FUNDING LLC  FCRA Violation hard inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 got a late payment on my mortgage in XXXX. Reason was i changed my bank account info and autopayment didn't trigger. Upon checking with XXXX they said i have to allow one month for autopayment to kick off and have to make manual payment for 1st month. I have multiple mortgages and never had any late payments for years. Because of this late reporting it dropped my 74 points off credit scores, which is very impactful. This could have avoided if : - There was warning during autopay setup alerting off this requirement -There was a letter sent indicating late payment ( all i kept getting was regular statement which never caught attention ) - There was call made to make aware. 


Understanding nature of issue, i request my late reporting to be removed from credit.Adding XXXX as they were original mortgage company, XXXX is servicer. 

Thanks
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my account. Despite numerous reports and requests for assistance, the resolution process has been ineffective, and the fraudulent charges persist, causing significant distress and inconvenience. 

I discovered unauthorized and fraudulent transactions on my account, prompting me to contact your institution immediately to report the fraudulent activities. Since then, I have diligently followed the necessary procedures for disputing unauthorized charges, providing detailed information, and submitting supporting evidence. 

Regrettably, my efforts to rectify this situation have been met with continuous setbacks, leading me to question the efficiency and effectiveness of the resolution process. I wish to bring the following issues to your attention : Inadequate Investigation : Despite multiple reports and the provision of supporting documentation, it appears that the investigation into these fraudulent transactions has not yielded the desired results. The lack of progress is concerning, and I am left with unresolved issues on my account. 

Communication Breakdowns : Throughout this process, there has been a significant lack of clear and consistent communication. Timely updates on the status of the investigation and the actions being taken would have provided reassurance during this challenging period. 

Continued Unauthorized Charges : To my dismay, the fraudulent items persist on my [ credit card/bank statement/account ], indicating a failure to adequately address the issue and protect my account from further unauthorized activities. 

I understand that addressing fraud cases is a complex and challenging task, but as a concerned customer, I expect a higher level of urgency, transparency, and commitment to resolving such issues promptly. 

I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the fraudulent items from my account. Additionally, I seek clear assurances and a detailed plan outlining how your institution intends to prevent the recurrence of such incidents in the future. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assisstance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2300.00} XXXX XXXX  XXXX Balance Owed : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX  XX/XX/year> XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXXXXXX Balance Owed : {$390.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXXXXXX XX/XX/year>.
Product: Credit reporting or other personal consumer reports

Ive notified these credit bureaus Trans Union and XXXX, several times, and let them know that these specific items from XXXX XXXX financial and XXXX XXXX, XXXX are fraudulent accounts and should not be reporting to my credit report. Theyre telling me that these accounts are verified, but never send me proof. I need these items deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with XXXX XXXX XXXX which was opened in XX/XX/XXXX. On XX/XX/XXXX I wrote a letter accompanied with bank statements to dispute payments that were reported as missed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX through XXXX of XXXX. All of these payments were set up for recurring payments though XXXX XXXX XXXX when the loan was obtained. All of the payments were made on time. On XX/XX/XXXX at XXXX I called the XXXX XXXX MA location and spoke to XXXX regarding my dispute. She placed me on hold for over 20 minutes, then came back and apologized for the wait and stated that I could not dispute through them. She said I could only dispute through the credit bureaus, they do not handle direct disputes. I informed her that her the FCRA I could dispute directly with the creditor. She then told me that she would have another representative call me back. I never received a call back. On XX/XX/XXXX I received a letter stating that my bank statements were not sufficient evidence that the payments were made. The letter also stated that they could not update their incorrect reporting for 9 months. This has impacted my credit greatly and is affecting my life. This is also a violation of the FCRA and a violation of my rights.. My banking institution, XXXX XXXX XXXX only provides bank statements as proof of payments. I am requesting that the correct their inaccurate reporting for the months in question to paid on time as agreed, along with crediting to auto loan account for the over payments I had to make in XXXX and XXXX of XXXX. I was forced to may more than {$880.00} in order to avoid a repossession and end the harassment I was getting. I ask that the over payment be applied towards the principal of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has negatively impacted my creditworthiness score by refusing to post information about my student loan that was recently transferred from XXXX to Department of EducationXXXX XXXX My Equifax XXXX has recently declined by XXXX points as reported by XXXX XXXX on XX/XX/2022. However, when I checked my credit reports via Annual Credit Report, my student loan with the Department of EducationXXXX is already reported by XXXX. I am concerned that Equifax will continue to delay and negatively impact my credit score by not reporting my student loans that are now under Department of Education/XXXX and that it could be based on my race and age.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for these dates to be verified as they are all reporting different dates. These dates need to be verified along with proof of ownership, or removed effective immediately XXXX XXXX : date opened incorrect, closed date incorrect, last payment incorrect Rent debt automated : Date of last activity incorrect, date opened incorrect, original creditor incorrect name, account states open when it has been closed XXXX XXXX : date opened incorrect, states open when its closed, original creditor incorrect name/spelling XXXX XXXX : date reported incorrect, Balance owed incorrect, states open when closed, original creditor incorrect name/spelling XXXX XXXX : Incorrect open date, states open when closed, original creditor incorrect name/spelling XXXX XXXX XXXX States open when closed
Product: Vehicle loan or lease

I contacted Mercedes-Benz financial collection department to advise that I have all the outstanding balance due to them in escrow and ready to make the payment to reinstate my car loan. They refuse to allow me to pay the outstanding balance with claims that my account is charged off. I contacted them in XX/XX/2018 advising them that I could not pay my account online and I was bringing my account up to date, that was when I found out that my car loan was charged off. I have been trying to pay off my car loan owed balance since XX/XX/2018. The finance company is requesting that the entire balance is paid off ( {$15000.00} ). That is way too much money for me to come up with. I have the {$6700.00} owed available and willing to pay it. The car is not worth {$15000.00} it is only worth about {$9000.00}. So, it has been very difficult for me to obtain a refinanced car loan and my credit score has gone down drastically. More importantly, my car payments were made timely and early every month for over 32 months before my incurring a financial hardship which I have since corrected. I have the balance due and am able to pay it and reinstate or modify my car loan. It is important because I have invested in this Mercedes-Benz vehicle for my PhD degree program over $ XXXX in timely payments. Lastly, note that when I did my credit report back in XX/XX/2018, the Mercedes Benz Financial services account was not listed at all nor as a charge off. Please help me with this important issue.
Product: Debt collection

Repeated harassment in the form of MULTIPLE phone calls/emails daily. Located in a Hurricane Michael federally declared disaster zone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working since I was XXXX XXXX XXXX. I recently bought a used car with XXXX XXXX XXXX XXXX The only employment history that came up on my credit report was XXXX  XXXX XXXX, about XXXX  years ago. I worked as a XXXX  for XXXX  years at XXXX XXXX XXXX  XXXX XXXX in XXXX XXXX, XXXX, moved to Maine in XXXX and managed XXXX around XXXX, XXXX. for XXXX yrs. Then XXXX, XXXX, XXXX XXXX XXXX XXXX I worked for myself from approximately XXXX. Last year, due to the pandemic my business ended, I was just at the point to license myself etc. I have now been with XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ), out of XXXX XXXX since XX/XX/XXXX, as a XXXX  for XXXX XXXX XXXX. I would like to know why all my years of hard work are not showing on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved. I am submitting this complaint on my behalf. I sent a letter about validation of debts, it's been more than 60 days and I have not gotten any response. Consumer reporting agency have not carried out their responsibility ordered under the law. I feel that they are ignoring my disputes. If they can provide me proof that this is my debt. It need to be deleted as soon as possible. If they can not follow these government guidelines by credit reporting agencies are researched by the Federal Trade Commission ( see 15 USC 41, et seq. ). Likewise, Section 611 ( a ), it is doubtlessly expressed that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report it has been more than 60 days so they ought to deleted promptly. I request these accounts be deleted promptly.
Product: Credit card

Seems all banks practicing the Same practice of XXXX XXXX XXXX Credit card customers who were promised rewards points and cash bonuses and failed to provide the promised rewards. Goldman Sachs the servicer of Apple Credit Card is no exception, 1st Apple Credit Card sent me an invitation to a joint card holder and they will give {$100.00} we completed the requirement and we were eligible to get the {$100.00} bonus, it took many calls and trouble tickets to get the reward. again by end of may, I got another invitation to add up to 5 participants ( Authorized users ) and each will get {$50.00}, after spending at least {$50.00} on the new card. I added 4 users, and I been calling and chatting on their app with their agents, I contacted them at least 8 times and they giving me the run around assuming I will give up, After all the fights they gave me the credit for 3 out of 4 and I still did not get the credit for the 4th person which his name XXXX XXXX its not the {$50.00}, its the pattern of misleading customer, its systematic and I am sure its widespread and I was inspired by CFPB Director XXXX XXXX. These practices are illegal and undermine customer trust. And he wants to an end to this practices across the banking system
Product: Debt collection

My complaint is quite simple, by law a collection agency must submit correspondence to let a consumer know that a debt they either acquired by ownership, or simply by proxy on a vast power of attorney process is no longer collectible. The attached letter from Portfolio Recovery Associates stipulate just that. So, if the debt is simply too old to collect, and the fact that PRA LLC shows no proof of ownership or collection proxy, then why is the very same account remaining on my credit report. This is an example where a collection agency is using my personal credit rating as hostage to collect on an old account that has already been removed from my credit reports. These collection processes are highly scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. It is a re-aging process on debts that have long outlived their usefulness to be maintained on credit. These collection processes are the main reason why even the FTC considers the national collection process broken. I know that the CFPB and its Director XXXX are before Congress currently on the usefulness of the CFPB, and I make the claim that it is the best recourse that an American consumer must fight the corruption that exist in the debt collection process by thousands of collection agencies that could care less about my constitutional and civil rights. This account as well as my personal information need to be purged and erased from credit immediately and permanently.
Product: Credit card

We called XXXX XXXX on XX/XX/year> and bought round trip tickets over the phone. Next day XX/XX/year>, we called again XXXX XXXX to buy additional tickets from ( XXXX XXXX frequent flier mileage ) a lady answered the phone from XXXX XXXX saying they will help. We told her we only wanted to buy tickets to go around XXXX XXXX with mileage. She asked about our locator number of the flight to XXXX before she could book tickets from XXXX to other destinations. After looking at our confirmed reservation to XXXX, she lied saying that it wasnt confirmed. So she cancelled original reservation made by XXXX XXXX and made another reservation to received large commission. We told her not to cancelled our reservation and only help us with XXXX XXXX. She charged us two times separately, for her commission and ticket at our Credit Card. When we asked why she charged us twice, she said that is the way it had to be done. Everything was done by her, pushing, rushing and falsifying and under duress within seven minutes. 
We had our own doubt, so we called XXXX XXXX right away and they told us this was a fraud, they refunded the ticket price but we are still out of {$1500.00}. All this took place because she wanted to make commission of above amount, Now the Credit card. is not crediting our account for {$1500.00}. We dont think we should pay this amount. we had not received any product or services, did not travel and could not even open the ticket send by email. We have excellent credit that this company is trying to ruin by favoring Merchantfor Fraud, and encouraging instead of stopping them. 
We are Seniors age XXXX and XXXX.
Product: Mortgage

XX/XX/2021 I woke up to my mortgage payment being declined for {$0.00} less in the account then needed. I then fixed the issue, contacted CMG, and asked if they would try to pull the money again. The agent stated that they wouldn't. I then submitted a payment. On XX/XX/2021 I then looked at my account and I was over drafted due to CMG taking a payment and processing my payment. I then contacted them to rectify this and they refuse to acknowledge the issue, disconnected the chat, and when I chatted back realized they never verified my account before communicating.