23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Discover financial continues to use deceptive practices in hopes to collect debts also damage my reputation and cause actual damages to my personal life on XX/XX/year>, I mailed Discover services a notice of intent to sue with the opportunity to cure stating overall the deceptive and unlawful practices they have continued to commit on me before I had felt previous disputes Through XXXX and XXXX and XXXX On previous dates where discover financial stated all the information was verified, but that wasn't the case because in my disputes, I clearly stated I never gave written consent and they never had permissible purpose discover financial also continues to report late payments on my credit where 15 USC 1681 a definitions and rules of construction states that a consumer report does not include transactions or experiences where they have impacted my credit multiple occasions for utilization which under the USC is not a factor of the consumer report also, under the law discover did not respond that puts them in default. Another violation Discover committed was the violation of 15 USC 1692F which states a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt without limiting the general applications of the foregoing. The following conduct is a violation of this section, using any language or symbols other than the collectors address on the envelope when communicating with the consumer by mail or by use of telephone except a debt collector may use his business name does not indicate that he is in the debt collection business Which Discover failed to do so sending me multiple attempts to collect debt Using unfair practices and not stating the debt collectors, true identity. This is my last attempts in hopes discover will remove all Information I never gave consent to report and that I opt out from Discover reporting on my consumer report also that Discover stop threatening me to close my account if I don't pay a debt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute information on my credit report that I believe is inaccurate. I have not received any 1099-C Cancellation of Debt letters regarding these following accounts : XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX Given the absence of these 1099-C Cancellation of Debt letters, I firmly believe that the reporting of these charge-offs is inaccurate. According to the FCRA, I have the right to dispute incomplete or inaccurate information. I request that these charge-off accounts be removed from my credit report as they do not reflect a complete and accurate credit history. 

I appreciate your attention to this matter and expect a prompt response. Please investigate these discrepancies and update my credit report accordingly.
Product: Mortgage

I have sent, resent, faxed and faxed again the same paperwork over and over again, only to hear that my property is in foreclosure. Im very very upset by this. XXXX dragged this process ffor over a year then sold to another bank to do the same thing
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX XXXX XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my official Notice of Dispute. I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act, Gramm Leach Bliley Act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit XXXX XXXXXXXX and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.
Product: Credit card or prepaid card

On XX/XX/XXXX, three credit cards were stolen from me while I was at the gym. Upon realizing I was missing the cards, I immediately reported them stolen and cancelled the cards. I also filed a police report with the XXXX CO Police Dept. My  Chase United Explorer Card was used for a {$3600.00} charge at the XXXX XXXX in XXXX, CO. 
In XXXX I received a call from Chase Fraud Dept. telling me that since my personal information was on the sales draft they received from XXXX, that " I authorized the charge and would be expected to pay the {$3600.00} ''. I have been calling weekly and keep being told that it will be sent to rebilling but never hear anything. On XX/XX/XXXX I received a letter dated XXXX XXXX stating that I would be responsible for paying the {$3600.00} and the charge reappeared on my account on XXXX XXXX. 
I did call the XXXX XXXX and was told that if a card is attached to a XXXX account or has been used in the store before, it will autofill sales drafts? 
I have had this account for 18 years and have never been late in paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE UPDATE ALL CREDIT BUREAUS FOR AUTO LOAN WITH CHASE, REVERSE ALL LATE FEES AND UPDATE ALL BUREAUS TO REFLECT PAYING AS AGREED NEVER LATE NEW BALANCE XXXX {$18000.00}.
Product: Credit reporting or other personal consumer reports

Part 1 of Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Experian Lega

l Dept. , I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFBP include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Money transfer, virtual currency, or money service

I have contacted both XXXX and bank of America about 4 transactions to XXXX app on mobile banking where 1number on this contact was incorrect and the name of this individual does not match the name on the account I was sending money to. Bank of America contacted the other bank ( XXXX ) who let the individual know of the mistake and the individual fully declined to return the money to me knowing the money did not belong to them ( XXXX ) XXXX is the number where the money was sent to. I have no idea who this person is or their name or anything.these are the dates of the transactions who were meant to go to feed my daughter but instead landed in the hands of this thief XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX the only reason I found out is that I co-parent and they showed me proof they never received the funds of {$64.00}. I know this is not a large amount to many people but it is to me and I work very hard for this money and I would like it back!
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XXXX XXXX XXXX, this company caused damage to my credit reports by reporting this account. 
XXXX. XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX, MN. XXXX Account # XXXX Amount : {$5700.00} XXXX. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit card or prepaid card

I am requesting a {$300.00} credit to my CITI credit card. 

I have disputed and continue to dispute a XXXX XXXX, 2020 charge for {$300.00} with XXXX.XXXX. 

On XX/XX/2020 CITI generated a letter to me saying the investigation was closed in the merchant 's favor and I had until XX/XX/2020 if I wanted to continue the dispute and submit evidence. I never received a copy of that letter. 

In early XX/XX/2020 I accidentally found the letter in my CITI account. I immediately submitted additional evidence and made about six follow-up phone calls as my case was not resolved. 

On XX/XX/2020 CITI generated another letter saying the investigation would be closed as my additional evidence was not submitted by the XX/XX/2020 deadline. Again, I received no copy of this letter via mail or email or other digital alert, but I did accidentally find it in my account. 

On XX/XX/2020 at about XXXX XXXX  EST, I spoke with billing dispute supervisor XXXX. 
Per her admission, neither the XX/XX/XXXX nor the XX/XX/XXXX letter was sent to me in hard copy. 
Per her admission, I was enrolled in paperless communication. 
Per her admission, no email or other alert was sent to me in regards to that XX/XX/XXXX or XX/XX/XXXX letter. 

However, per the TERMS & CONDITIONS of paperless enrollment, for such legal notices, " we will notify you by email ''. ( Those Terms & Conditions pasted below. ) As such, CITI did not abide by their terms & conditions of my paperless enrollment, and by not abiding by their duty, I was not informed of the deadline. However, as soon as I learned of the deadline by accident, I immediately responded both by letter and numerous phone calls. 

In simpler terms, CITI said they would keep me updated by email, yet they set a deadline and never informed me of it. But then in their XXXX XXXX, 2020 letter, they are finding against me, as I did not abide by their deadline that they did not tell me about it. 

CITI 's mistake of no email notification is their fault alone. While CITI must abide by XXXX 's dispute process, but for CITI 's mistake, I would have met the deadline. 

I request a {$300.00} credit from CITI to my credit card. 



" Enrollment in Credit Card Paperless Statements and Other Communications " We send cardmembers various types of legal notices, including notices of increases or decreases in credit lines, privacy notices, account updates and statements. Currently, we can provide some of these legal notices, including statements, electronically. We are working towards being able to provide all of these legal notices electronically. When we are able to provide all legal notices electronically, we will notify you by email. In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices. ''
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit reports and I noticed some late payments on my consumer report. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? No. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS.-Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any ( i report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I am not aware of them, and the company conducted them without my consent
Product: Mortgage

1. In letter dated XX/XX/XXXX received notice from lender, Bank of America, that wind insurance is required to protect its collateral interest in property supporting mortgage loan of {$420000.00}. Said loan had been extended in early XXXX based on house value estimated to be approximately {>= $1,000,000}. Letter indicated that failure to provide would result in bank obtaining " lender placed insurance '' which could be significantly more expensive than what we could obtain in the market. 
2.Lender had accepted coverage without wind since renewal of policy provided by XXXX XXXX    XXXX XXXX on XX/XX/XXXX. 
3. On XX/XX/XXXX, my wife and I began a long delayed vacation to XXXX where we had previously lived to visit friends. As we were to be moving around we could not have mail forwarded. Those who needed to contact us could do so via email or telephone as we had cell phones and laptop with us.I have received many communications from Bank of America both by email and text so the bank could have reached us by those means if it was deemed important.There were two more ground mail attempts to contact us, in XXXX and XXXX. 
4.Upon our return in XXXX we moved to put wind insurance in place which was accomplished on XX/XX/XXXX. On XX/XX/XXXX,, the bank sent a letter saying that lender placed insurance had been bought showing only Bank of America as beneficiary based upon house value of {>= $1,000,000} at an annual premium of {$62000.00}. the bank has subsequently refunded all but {$20000.00} of that amount leaving us with a charge to our mortgage account representing coverage from XX/XX/XXXX thru XXXX XXXX. By comparison the wind insurance that I obtained to satisfy the bank 's requirement costs only {$4000.00}, premium for the entire year. 
5.I am retired, XXXX years of age and can ill afford to be hit with this kind of expense which gives me absolutely no benefit ; would not seem to give any benefit to Bank of America since it was acquired ex-post facto. This is an outrages amount to pay for any casualty insurance policy, and I beg the offices of CFPB to assist me in righting this wrong. I am suffering great stress as a result of this situation and am having difficulty finding someone at Bank of America to appeal to. HELP!
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022, by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again, is the incorrect information being reported : XXXX XXXX/ XXXX {$0.00} Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated ( XX/XX/2022 ) is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days, not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regard to my credit file. Please expedite my original request immediately.
Product: Credit card or prepaid card

I began an application process for a Discover it chrome Secured Credit Card on XX/XX/XXXX. However, I never completed the process. They requested that I verify my information by providing a copy of my Social Security Card as well as other documents. I never provided these documents, and received multiple email notifications ( on XX/XX/XXXX, XXXX, XXXX, and XXXX ) stating that " Failure to verify the information above will result in a decline of your application. '' I had decided that I did NOT want to open this credit card, and thus chose not to provide the specified information. I trusted they were telling the truth in their repeated emails, and that my application would be denied. 

However, on XX/XX/XXXX, I received another email from Discover stating that my application had been approved, and they would be withdrawing a {$200.00} security deposit from my bank account. On XX/XX/XXXX I contacted the customer service phone number provided in the email. I told them that I did NOT want to open a card, had NOT completed the application, and had been told via email that my application would be declined. However, they refused to cancel the withdrawal request to my bank. 

XXXX lied when they said my application would be denied, and continued to process my application without my consent. This is deceitful, and is unacceptable.
Product: Checking or savings account

Two years ago, the Bank of America closed my bank account for no reason, deducted the money from my bank account for no reason, and sent an email saying that I owed the bank money, before that, I had enough money in my bank account, I don't understand why I deducted my money, this is very absurd.
Product: Checking or savings account

On Sunday, XX/XX/XXXX I noticed several fraudulent charges were made to my account. I called my bank, First Horizon, locked my card, and then filed a fraud charge with my bank. They said it would take 5-10 business days to respond. On XX/XX/XXXX I received an email saying " XXXX XXXX, Your claim is completed and except for 1 charge, your claim was declined. All charges ( except the 1 ) were processed with the actual card and chip was used. Charges processed with chip can not be approved as fraud. The following charge was approved and credit has been provided.XXXX XXXX XXXX  '' I have provided a list of the fraudulent charges that were made on my account. I called on XX/XX/XXXX at XXXX XXXX and they said that someone must have stolen my card and there was nothing they could do. I did not make any of the charges, I do not live in or near North Carolina, but they said since they used my chip there was nothing they could do. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late ! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNever Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit report on XX/XX/XXXX. 

The TransUnion credit report shows a collection account with " XXXX '' Original Creditor information not available as well as Creditor Contact information not available. There is a partial account number of XXXX opened on XX/XX/XXXX and reported on XX/XX/XXXX. The FCRA requires contact information to be readily available to the consumer. 

The XXXX credit report shows a collection account with no name, Original Creditor information not available as well as Creditor Contact information not available. There is a partial account number of XXXX opened on XX/XX/XXXX and reported on XX/XX/XXXX. The FCRA requires contact information to be readily available to the consumer.
Product: Credit reporting

I get the wrong birthday with Experian credit report. I already contact them and still issue not resolved.