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

hello My name is XXXX XXXX ive reached out to wells fargo credit card several times and they claim they are going to fix the problem with my late payment from from XXXX to XXXX of 2020 since i was in the hospital with XXXX  and i was unemployed and fighting for my life before i got sick i was always on time with my payment im reaching out to you guys since wells fargo credit card is not taking action hopefully i can get this case resolved since ive paid the whole bill and then they closed my account after thank you. my email is XXXX XXXX
Product: Credit card

UNABLE TO OPEN NEW CARD, DENIAL ON BASIS OF PROMOTION RECEIVED IN 2023 I HAVE REPEATEDLY EXPLAINED THAT I WOULD ONLY LIKE A LINE OF CREDIT, NO PROMOTION!!
Product: Credit card or prepaid card

On XX/XX/21 I was contacted through automated processes by Barclays XXXX Mastercard regarding potential fraud activity on my account. 

On XX/XX/21 at XXXX, I attempted to contact Barclays to resolve the fraud concern. After 5 minutes on hold the line went dead. 

On XX/XX/21 at XXXX, I again attempted to contact Barclays. This time I was connected to a customer service representative. During the discussion the customer service representative was unwilling to provide to me the actual card the fraud related to. I continued to ask if it was the primary or secondary accounts ( two cards are open under the account ). The representative refused to provide this information as well. I then asked to speak with a supervisor but was rebuffed. I continued to ask for a supervisor and after my fifth request I was placed on hold. The representative then returned after several minutes to tell me that no supervisor will speak with me. But that a supervisor will call me back in 24 to 48 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed two outstanding collections from Phoenix financial service that there is no possible way I could have obtained both are derived emergency XXXX XXXX XXXX XXXX XXXX  The first one I would like you to look into is {$560.00} and was originally opened XXXX. The second one I have on there is {$590.00} and as well, false. The reason I could not have acquired these is because u have been an XXXX  female at XXXX XXXX, XXXX route XXXX, XXXX pa XXXX from XXXX.
Product: Mortgage

Since XX/XX/XXXX, I have been paying an additional {$140.00} each month, which totals {$1800.00}. I noticed this extra charge a few months ago and inquired about it with Mr. Cooper. They conducted a review and found that the issue dates back to XX/XX/XXXX. 

I have been paying my home insurance since purchasing my home, but there was a miscommunication between the loan company and my insurance provider. The previous loan company has since been taken over by Mr. Cooper. 

I have been trying to resolve this issue for four months. Although I received one letter indicating they would investigate, I have not received any further updates. My primary goal is to reclaim my funds. Every time I call Mr. Cooper, I either get transferred to another department or the call gets disconnected.
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 XXXX XXXX XXXX and XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.

15 U.S.C. 1681B ( 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.

15 U.S.C. 1666B ( A ) ( 1 ) 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.
Product: Credit card or prepaid card

I have called a total of 5 times between myself and my husband to resolve a problem where we attempted to book a hotel in XX/XX/XXXXusing reward points. The website had an issue not allowing the booking to take place, so I called and made the reservation using Chase Bank 's customer service. On the date we booked, Chase Bank deducted from our account Reward points earned through their rewards program equal to {$570.00}. It should be stated that I booked a second room directly through the hotel chain 's website because the reward program did not have any additional rooms left through their program and I needed a total of two rooms. After checking out and returning from the trip I noticed a second bill from the hotel for almost {$400.00}. After calling Chase customer service who then also contacted the hotel manager, it was determined that the hotel never received any money from Chase through the reward program, so charged our account for the room. Chase on 3 occasions said they would resolve the issue and credit the hotel charge on our account and make sure the hotel got their reward points money. Nearly a month later, nothing has happened despite numerous additional calls to their customer service. We have requested that Chase simply refund the reward points they took to resolve the issue since they never forwarded the cash value to the hotel, but to date they still have done nothing. The hotel got their money directly from our account resolving the hotel 's problem, however that means in total ( points + dollars charged to account ) we have paid nearly {$1000.00} for a {$400.00} hotel room. Their customer service never seems to have any records of us calling even though we could easily prove hours spent on their customer service line on our phone bill. We are thoroughly frustrated and Chase 's customer service just obstructs through endless transfers to other operators and promises to resolve the issue that never happen.
Product: Debt collection

First off, I was 100 % unaware of owing medical bills. Given that I have XXXX which pays all of my costs, I do n't understand how this is possible. The only reason I am even aware of being sent to collections is because it showed up on my credit report on XXXX XXXX which I monitor weekly. There was no written validation of debt, no phone calls, nothing. Just all of a sudden, I 'm sent into collections and it was reported to XXXX. The company is Syndicated Office Systems. Due to them not contacting me, I am can not be sure this is even a real company or if my debt is real.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX CARD SERVICES XXXX and XXXX - CARD SERVICE XXXX
Product: Credit reporting or other personal consumer reports

I am being harassed. Last week, I began the process of applying for a mortgage. During that process I have contacted 3 mortgage companies to look at competitive rates. Along with that I authorized XXXX, Transunion, and XXXX to run my credit score and send reports to those 3 specific banks. Afterwards, starting Monday XXXX and all day today XXXX I have received nearly XXXX phone calls and dozens of unsolicited texts offering more competitive rates. I never opted into sharing my information. Only after I started being harassed did I research and discover XXXX  where I can ask to opt out of these types of phone calls. This can take 5 days, and my name and phone number are already out there. The people calling me are unsolicited strangers, and they know my name, phone number, email, and credit score. The harassment is incessant and has caused me distraction at work.
Product: Payday loan, title loan, or personal loan

On aboutXX/XX/2018, monies were electronically sent to American Express Company ( AMEX ) by XXXX XXXX XXXX. These monies were sent back to be applied against a personal loan I had taken with AMEX. There were two separate transfers made : {$350.00} on XX/XX/2018 -  Reference Trace Number : XXXX {$10000.00} on XX/XX/2018 - Reference Trace Number : XXXX AMEX has verbally acknowledged receipt of these funds and has been agreeing to credit any interest that may be accruing for the amount of the funds returned i.e. they don't want me to be responsible for paying interest on funds that have been returned and received by them. While this is being done, they still have not applied the returned monies to my outstanding loan balance. This is placing a burden upon me as I still do not have use of the funds as originally intended ; t=I can not apply for a new loan until this loan has been paid off AND it is restricting my access to money from others as this is showing as an outstanding loan of {$15000.00} +/- on my credit report, adversely affecting my credit score. I have spoken to a XXXX ( Employee Badge # XXXX, a " supervisor '' in their personal loan department several times to no avail. While he has been polite he has acknowledged the frustration surrounding this matter, both on his part and mine. He is struggling to get answers on his end! 

I would like the returned funds totaling {$11000.00} to be applied to my account ASAP! 
Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment rental and was denied because of information appearing on experian. I am being denied a place to live the dates are. XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX .i believe my information may have been breached. There is no judgement posted on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just pulled my credit report and noticed 6 Delinquent Closed collections from XXXX. I am sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are involved with this debt, and there is/was some contractual obligation which is binding on me to pay this debt. I have sent validation request letters to all 3 credit bureaus ( Equifax, XXXX, and XXXX ) via certified mail. 

Letter of sale or assignment from the original creditor to another company is reflected on my credit reports, however the balance amounts, origination dates, and payment delinquencies are not matching with the 3 major credit bureaus ( Equifax, XXXX or XXXX ). 

Although this account reads closed/ sold, it is unacceptable for this to remain on my credit report, as this reflects negatively on my credit rating. I have no proof this account is mine. 

I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. Why are pursuing collection activity on a paid account in the first place? This is definitely harassment and is a violation of the FDCPA under 15 USC 1962e : Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to the debt. It should be read Paid as Agreed/ Closed or be completely REMOVED from my consumer reports. 

Invalidated information from any of the 3 major credit bureaus ( Equifax, XXXX or XXXX ) on my credit report may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by XXXX or any representative is a violation of consumer rights. I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
Product: Credit reporting or other personal consumer reports

I have been attempting to unfreeze my credit report from Experian for weeks. My bank will not approve a loan for a roof replacement on my house until Experian provides a report on my credit. 

I have attempted to get in touch with Experian by phone and no matter what options I select, I am not routed to an actual person who can help me and the automated system directs me to the website to unfreeze my credit, offering no option over the phone. 

The website attempts to validate my identity based on information it has on file associated with my social security number. As such, it locates out-of-date data for my demographic profile, and therefore the only option I have to " validate my account '' is a phone call or text message to a phone number I no longer possess. Calling for customer service loops be back to the website for this. You see the problem. 

I have submitted a request to permanently unfreeze my credit with Experian via mail with a completed request form and copies of my drivers license and a utility bill, and we have received XXXX feedback on this request which went out almost 2 weeks ago. 

My roof is actively leaking and until I can secure financing, I can not fix it. This is causing continued damage to my home and I'm considering all options to resolve this issue, starting with this formal complain.
Product: Credit reporting or other personal consumer reports

They constantly just report what the creditors habe already reported even though I've sent documents proving the debts are not legitimate or habe been paid all they will do is send my docjmentnth the creditors who do nothing with them I have even reported this to this platform and it's remained open more XXXX days without responce this Is not rigjt and I feel I'm being screwed because I'm not a XXXX
Product: Credit card

I need for capital one Take this matter more serious this account was open online that does not show prove it was me also i reported my information was stolen and also my phone anyone could of open the account and who know how many other accounts under my name i need for capital one if there are so sure it was me to show me all prove it was me i need papers showing my signature on them statements saying yes it was me who open them my address and name and last name and number is not prove enough to say yes it was me anyone could of did it and we all know for you to open a account you will need the person informations to get it open this is making me get very mad because im being charge for something i know i didn't do i need prove if not i ask by law to remove it from my credit asap.
Product: Vehicle loan or lease

I took a loan out on a car from Adonis Auto Group in XXXX, Texas XX/XX/XXXX and it has been a nightmare ever since. Within a week of me having the car, it had to be taken back to be serviced for the brakes and rotors. When I got it back, it was doing the same thing it was when I took it in. My car shook really bad when braking, it jumped really hard when pressing the gas to go from a stop. The vehicle was wrecked and they failed to tell me about it and when I told them about it, they said they don't pull any reports on the cars they sell. In XXXX, my payday changed to Thursday instead of Wednesday. I emailed them 4 times and called them to make sure they received it. They said they did and would update my account. They did not and proceeded to illegally report inaccurate credit items. On XX/XX/XXXX, the engine went out on the vehicle an hour away from home. I called Adonis and let them know. She said she would update my account and I would hear from the higher ups on Monday. I did not. I got a call on Wednesday, from Adonis, asking if I was surrendering the XXXX because I did not make the last payment. I let him know about the call on Friday and he said there was nothing in their system about me calling them Friday. I've spent XXXX of dollars trying to fix this piece of junk they sold me. I tried to get my money back last time I submitted a complaint against them and was instructed by the XXXX to let them fix it. Now I am out a vehicle, my credit has dropped because of them illegally reporting late payments and now I'm about to have a repo. They sold me an unreliable, previously wrecked vehicle to put my family in. I pulled a XXXX on it and when I brought it to their attention, they said they don't pull XXXX  on any of their vehicles. The vehicle was totaled out by the insurance in Florida in XXXX. The way they do their customers is not right. The way they are supposed to do their job, is not done correctly. This whole process has been horrible from the very beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN.. One Main financial ( XXXX # XXXX ) has violated the Fair credit act by Submitting incorrect information on my credit report.. 
The credit bureaus ( XXXX, XXXX, and XXXX  have also violated my rights by not Properly investing the account for validity.. No contract with Balance and signature has been produced.. 
THEY SUBMITTED MULTIPLES BALANCES ON MY CREDIT REPORT AND HAVE THE ACCOUNT SHOWING AS WRITTER OFF AND OPEN AT THE XXXX XXXX 15 U.S.C. 1681Sec 604 a sec 2 I would like to know how this account was validated and who validated it?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX XXXXXXXX XXXX ( accounts opened XX/XX/XXXX & XX/XX/XXXX ) for their improper reporting of a balance on a charged-off account, which is in violation of the Fair Credit Reporting Act ( FCRA ). 

Under FCRA 1681s-2 ( a ), furnishers of credit information, such as XXXX XXXX XXXX, are required to provide accurate information when reporting to credit bureaus. A charged-off account, by definition, should not report an outstanding balance as the debt is considered uncollectible and written off by the creditor. However, despite the account being charged off, XXXX XXXXXXXX XXXX continues to report a balance on my credit report, which is inaccurate and misleading. 

This inaccurate reporting is negatively impacting my credit profile and violates FCRA provisions that ensure consumers are not subjected to false or misleading credit information. 

I request that XXXX XXXXXXXX XXXX immediately cease reporting an outstanding balance on this charged-off account and correct the information across all credit bureaus. If the information can not be verified or corrected, I demand that the account be deleted from my credit report in compliance with FCRA guidelines. 

I am asking the CFPB to intervene and hold XXXX XXXXXXXX XXXX  accountable for this violation and ensure they correct the issue promptly. 

Thank you for your attention to this matter.