23daVinci/CFPB_Complaints huggingface dataset:
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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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: Checking or savings account

I enrolled in the Citi Priority Checking Account promotion that stated " open an new regular Checking account in the Citi Priority Account package by XX/XX/2019 and meet the following requirements : Within 60 days after account opening, complete one or more qualifying bill payments for two consecutive calendar months and spend {$750.00} required minimum amount on purchases using your Citibank debit card in order to receive XXXX Citi Thank You Points. '' After I met the requirements, I called Citibank and confirmed with the phone representatives that I satisfied the requirements, and they affirmed that I did and would have to wait 60 days to get my account opening bonus. I met the requirements within the time allotted and have waited for the required time to pass and have not received my XXXX Citi Thank You Points. It has been months now and I have called on multiple occasions and filed inquires to have this resolved, but to no avail. I have met the terms of the promotion from my side and would appreciate the points to be deposited in my account.
Product: Credit card or prepaid card

I am asking for clarification on the Fair Credit Billing Act and why Discover believes it is immune from this law. 

Per Section 161 ( 3 ) ( B ), the creditor shall complete a dispute request no later than " two complete billing cycles. '' I filed two disputes for charges related to non-received merchandise on XX/XX/18. Since then, two full billing cycles have passed, but there is no resolution on the matter. 

Discover 's current/most recent " Bill of Rights '' does not address the " two billing cycles '' mandate in regards to dispute resolution : https : //www.discover.com/credit-cards/help-center/assets/BillingRights.pdf Per the FTC 's website : https : //www.consumer.ftc.gov/XXXX " Any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, up to {$50.00}, even if the bill turns out to be correct. For example, if a creditor acknowledges your complaint in 45 days 15 days too late or takes more than two billing cycles to resolve a dispute, the penalty applies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus refuse to remove or verify an incorrect collection that is not mine. XXXX  XXXX in the amount of XXXX . This account is violating the FCRA laws. Needs to be removed
Product: Consumer Loan

We got a little behind on a loan after being good customers for over a year. They served us and we paid them in cash the court costs and the payments to get caught up ( this was XX/XX/2015 ). A week later they say we are behind we call repeatedly to try and determine what is going on. They refuse to take our calls and hang up when we give our name. In XX/XX/XXXX they claim they are taking us back to court and I write them a letter to call my mother because they refuse to take our calls. The agreement was {$75.00} every two weeks. Total amount owed court costs included was supposedly {$1400.00}?? this was verbally given they refused to give us anything in writing and they refused to give us the corporate number. XXXX the local manager was difficult to work with. No missed payments between XX/XX/XXXX and XX/XX/XXXX {$900.00} paid. Called for pay off and were told {$990.00}??. Called another store to get manager 's name and number. XXXX XXXX called claiming that she was the manager but she called from XXXX store. She will not listen she claims we owe {$640.00} and the {$350.00} in fees. She claims her employees would never be dishonest and if we had paid on time it would not have come to this. Ignoring the multiple attempts to make arrangements that they would not answer.
Product: Mortgage

We are under contract to purchase a property that has a solar system leased through Spruce and need Spruce Power to provide recordable release documents so we can close the transaction. Spruce provided an email to us and the seller with the specific steps to follow and information that we needed to provide to process the lease transfer and lien release, as we all a timeline of how long the process would take once all information was submitted, which was 8-12 days. 

They also offered the ability to expedite the process for a fee of egregious amounts. To completed the process in 5-7 days, the fee is equal to 6 months of lease payments. To expedite to 1 day, the fee is equal to almost 27 months of lease payments. 

Spruce then proceeded to request additional payments, including a {$550.00} transfer fee and prepaid shipping labels, and to add additional undisclosed steps to the process that pushed the timeline beyond their initial estimate. For example, they stated clearly in the initial communication that the 8-12 day " clock '' would start once all information was received, but then did not officially start the " clock '' on their end until they processed the {$550.00} payment a full 4 days after we submitted the information. This delay is going to force us to move our closing date, which will result in excess mortgage interest charges between when our loan is funded and when we close, and additional expense incurred by us to change our moving plans. The only way to avoid this and close on time is to pay the aforementioned expedite fee. 

Additionally, they are have been wholly unresponsive. We tried to contact them 2 days before closing to confirm that they had all of the information they needed, but after over 7 hours on hold they never answered. When I was able to get a hold of them the day before closing, the representative could not help, refused to transfer me to a supervisor because they claimed they could not get a hold of anyone, and only offered to have a supervisor call me back on a timeline that would be after our scheduled close, or at best before close but not nearly soon enough to close on time. After I refused and demanded to speak to someone who could resolve the issue, they hung up on me. 

It is crystal clear that the whole process is designed to force consumers to pay additional fees to the company that are not actually avoidable without additional hardship on consumers. We spoke with them on the phone multiple times throughout the process and each time they make clear that they can finish in time for us to close if we pay a fee, and if not, they will not commit to any closing date. They are using their position of power in that they can delay closing to abuse consumers and extort additional, egregiously high fees from both the seller and buyer in the transaction. This is not a one off interaction, but an intentionally designed process that is unfair and abusive to consumers. In addition to repaying all of the costs that we will incur for this, they should be fined and forced to change their practices.
Product: Payday loan

A lady named XXXX XXXX called from XXXX to my place of work, I called back and she claimed to be from a law firm, collecting for the cash store. when I asked for her mailing address she became irate and said my attorney should contact them. She asked why I wanted the address, I stated that I did n't believe they were a law firm. At that time she yelled " XXXX ''! I hung up. she called back but I did n't answer. she left another insulting message on my voice mail,
Product: Debt collection

A car loan was taken out in my name. Car was returned after 2 days. The company threatened to call cops on me. They went back on the loan. I do not have the car. It happened in 2016. The company is called Credit Acceptance.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate and fraudulent accounts on my report under the rights granted by the FCRA and CFPB regulations. Under 15 USC subsection 1681e ( b ), credit bureaus must ensure maximum possible accuracy, yet errors remain on my report. Per 15 USC subsection 1681g, I request full disclosure of all data sources and verification methods. Additionally, under 15 USC subsections 1692e & 1692g, furnishers or debt collectors reporting unverifiable information violate the Fair Debt Collection Practices Act. 15 USC subsection 1666b requires creditors to follow proper procedures in reporting and correcting disputes. I also challenge the Complete and Accurate Method of Investigation used to verify these accounts. If they can not be fully verified and proven, I demand that they be removed. Please investigate these accounts and supply me with a written response with the final determination and all updates made to my reports.
Product: Debt collection

During the year XXXX  I was having credit cards with XXXX XXXX. One of the cards was activated to use by me. To my surprised one of the cards which I had not activated was illegally started using by unknown person in XXXX. To be specific the unknown person spent a lot of money on XX/XX/XXXX  - XX/XX/XXXX  with a card that end with XXXX. When I found out I immediately report the identity theft issue to XXXX. 
They told me that they will begin their investigation. After few days they call and told me not to worry about it. 
All this happened in a different address. I moved from the location where this issued happened. When I moved to the new address, I was still communicating with XXXX XXXX  because I still have card with them. During the conversation I was told that the card has been cancelled due to the issue and I should not worry about it. They sent me a new card which I specifically told them I do not want to it because I am trying to pay off the other one, I have been using. The associate I spoke with told me that since the other card has been cancelled, I should not worry about it. I should go ahead and activate the new card that has been sent to me. To my surprise when I activated it, they move all the Freud expenses bill to the new card that ends with XXXX. I tried everything but I found out that they have sold the debt to a new company who has taking a lawsuit against me.
Product: Mortgage

Ditech imposed a Past Due Amount on my XXXX/XXXX/2015 billing statement in the amount of {$240.00}. The Total Amount Due on my XXXX/XXXX/2015 statement was {$1100.00} and the Past Due amount was {$0.00}. They received my payment of {$210.00} on XXXX/XXXX/2015 and a payment of {$1000.00} on XXXX/XXXX/2015 for a total payment of {$1200.00} ( more than the required payment amount ) therefore I do n't understand how there could be a past due amount of {$240.00}? In the month of XXXX, they applied {$240.00} of my monthly payment to Escrow and the balance of {$960.00} to Unapplied Funds which caused all payments after the XXXX payment to be applied to Unapplied Funds. My escrow analysis said the shortage would be spread over 24 monthly payments beginning XXXX/XXXX/2015 therefore my XXXX payment should have been applied as billed ( {$200.00} principal / {$770.00} interest / {$190.00} escrow ). I 've been in contact with many Ditech people via telephone during the past 5 months trying to get this corrected but my account continues to show as past due and I continue to receive collection calls. 

I am tired of the harassing collection calls due to this error therefore I would also like to request, in writing, that no telephone contact be made by your offices ( Ditech Financial ) to my home or to my place of employment. All future communications with me MUST be done in writing and sent to my mailing address on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted.

Here as follows are items in error : 1 ) This reported balance is wrong. Its being reported as {$2000.00}. Thats not correct. The correct balance is {$0.00} as of last activity. 

XXXXXXXX XXXX XXXX Account # XXXX The reported balance is wrong the correct balance is {$0.00} Please update credit report Attached to this complaint is my written complaint, drivers license, and social security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. the items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Checking or savings account

I received an email from XXXX XXXXXXXX XXXX of XXXX through XXXX regarding an upcoming reservation. I don't trust emails so I went to the XXXX app to see if there was a message from the hotel and there was. The message was right under earlier correspondence I had with the hotel so I was not suspicious at all. There was a link that I clicked on to update my card and it went to a sit that looked just like XXXX and had the logo and everything. I entered my card info and it pinwheeled and then an SMS message was texted to me. I entered the number and then the XXXX site pinwheeled again and was taking a long time and asked for the SMS number again so another text was sent to me and I entered that number and at that point as it continued to pinwheel I was afraid it was taking the reservation money out twice so I logged into my bank and that is when I noticed the debit from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX had XXXX withdrawals for {$1000.00} each. I immediately exited the XXXX app and called Wells Fargo to report this and spoke to a lady named XXXX who took my report and provided us with provisional debits to cover the amount. I then called XXXX and reported the incident to XXXX. On Friday I received a letter from Wells Fargo saying that they are removing the provisional debits because they found that I approved the transactions. I did not approve any transaction to a foreign entity. I was approving a transaction to XXXX XXXXXXXX XXXX of XXXX for the amount of {$650.00}. I do not make purchases to unknown foreign companies so I am very upset that Wells Fargo did not consider this fraud and flag the transaction before letting it go through. I am also not satisfied with their investigation and findings and have filed a complaint with them as well.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2. It also stated consumer reporting agency can not furnish an account without my instructions under 15 USC. 1666B A Creditor may not treat a payment on a credit card account under an open and consumer credit as late for any purpose.
Product: Debt collection

I happened to get a call from this debt collector name security credit which I have never signed a contract with them. I also never gave them or the consumer reporting agency written permission to post this information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a credit card from XXXX XXXX on XX/XX/17. The new credit card came with a notice stating that I was entitled " Under federal law ... the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact : XXXX. '' It gave three options for contacting XXXX, including " On the web : XXXX XXXX ''. I proceeded immediately to the website to get a copy of my credit report. It asked for some details and I proceeded, never giving any indication that this was a subscription product or that I would be charged for this transaction. XXXX billed me {$21.00}. I called XXXX customer service immediately upon discovering the charge and informed the Customer Service Representative that I was trying to obtain a copy of my credit report, as indicated on the notice from XXXX XXXX, without charge under federal law. She stated that no such option existed on XXXX, and that I needed to go to XXXX. I reiterated again that the notice from XXXX XXXX said to go to XXXX. I ensured the subscription was cancelled. 

I then called XXXX XXXX, as the CSR from XXXX was rude and unhelpful. The CSR for XXXX XXXX politely advised that there were no options for me to pursue with XXXX XXXX until the charge posts fully to the account. As of now, it is still a pending charge. 

Clearly, between XXXX XXXX 's notice and XXXX 's apparent attempt to fraud customers into buying a subscription for those looking to obtain the credit report they are legally entitled to receive free of charge, there is a lack of fairness and transparency on behalf of one or both companies. Please assist, CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Acct # XXXX XX/XX/2018 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

reviewed my consumer repons and notced wall nad XXXX lale payments on an accoun that i was never late for. The consumer reporting agencies have assumed a vital role ano have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on the letter. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX Bankruptcy  XXXX XXXX-dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX-discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize the following inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Transunion and Experian both have failed to verify or validate information, Bankruptcy courts DO NOT report or verify information, and I gave no written consent for it to be reported - i demand immediate removal XXXX XXXX XXXX has been reporting incorrectly when no debt is owed they are under Cease and Desist and has been opted out and has no written permission to report - i demand immediate removal Please provide my written authorization which is required for anything to be reported, if you do not have that on file you must remove any and all entries to authorized 1 ) Bankruptcy - XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$310.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$410.00}