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

I called experian around the XXXX of XXXX and requested no more marketing from Experian. My request was not respected as Experian continues to market to me even after requesting no further marketing. They are marketing credit cards that I don't want or need, and they are marketing credit services and protection from identity theft. Experian should not charge a consumer a single XXXX to keep their information secure. It is extortion to create a record and then make consumers pay to keep it private. It feels like mob Protection money, and should be illegal.

Reguarding continued marketing after a request to cease, that is indeed illegal. Please cease and desist with any further advertising, including but not limited to emails, phone calls, and website offers, and postal advertising. 

This is an official record of the request, any further violation will be concidered harassment. 

Attached is a record of Experian continues attempts at marketing after a request to cease and desist was made. Also the website has me decline " free '' services with every log in ... services that are not really free, as credit card info is collected and used at a later date.
Product: Credit card or prepaid card

On XX/XX/2021, I received an email from XXXX XXXX of XXXX advising me that I was approved for the XXXX XXXX for my business, XXXX XXXX XXXX XXXX XXXX. The terms included submitting a one-time refundable deposit to get access to 3 times my deposit amount. I submitted the {$500.00} deposit to receive access to the credit line. On XX/XX/XXXX, I followed up with XXXX regarding the approval and to figure out why my credit limit only reflected {$500.00}. He then told me that he accidentally sent me the wrong email and that I actually did not qualify for the account that I paid the {$500.00} for. Instead, I only qualified for a regular secured card. After he explained his mistake, I chose to cancel the card and account. I was told that the refund of my {$500.00} deposit would take up to 6 weeks to receive. 

On XX/XX/XXXX, I spoke with XXXX XXXX, XXXX XXXX ( Employee ID : XXXX ) to check the refund status. I was told by XXXX that I would not be able to receive my refund for the BP Solutions card because I was not an authorized person on the account that I canceled months ago. Ludicrous! Not sure how that works since I submitted MY personal information to acquire the account in the first place. I am the sole owner of the business. 

Additionally, I applied for the Universal Premium Fleetcard, not realizing the issuer of this card is the same company- XXXX. The same situation occurred. I submitted a {$500.00} deposit through my bank on or around XX/XX/XXXX, and have not received the card. It is now XX/XX/XXXX. 

I spoke with XXXX XXXX of XXXX on XX/XX/XXXX and he advised me the Universal Fleetcard had already shipped, and to wait for it to arrive in the mail. He said it would take upwards of 60 days to cancel the account and receive a refund for my deposit if I decided to cancel before the card arrived. I opted to just wait for the card. He then followed up with me on XX/XX/XXXX via email about my XXXX XXXX account to tell me that my refund is being processed and the approximate new time frame is 4 weeks. 

At this point, I need both of my deposits back ASAP. I no longer want to do any business with XXXX. 

I have spoken with multiple employees from this company and no one can give me a detailed explanation about where my deposits are. I never received account numbers or confirmation numbers regarding these transactions either. All I have are emails. My next steps will be to seek legal counsel if this does not get resolved by a competent representative of this company. This should have NEVER occurred. You can not hold onto customers ' money and not provide services. 

I HAVE CALLED THIS FRAUDULENT COMPANY MULTIPLE TIMES TO RECTIFY THIS ISSUE. I NEED BOTH OF MY DEPOSITS RETURNED TO ME ASAP. This company ( or lack thereof ) has fraudulently misrepresented itself and has lost all credibility from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

FAIR CREDIT REPORTING ACT/REGULATION V. Section XXXX of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 

I've disputed the accuracy of my payment history on XXXX of my capital one accounts. Disputes made through each credit reporting company and all continue to come back verified as accurate. I've sent certified mail and called reguarding this information and requested documents that show the verification. I have yet received and documents and the inaccurate reporting still shows on my credit profile. 
Delete the late payment history and update the accounts and report them properly to all XXXX credit reporting companies. XXXX, XXXX, and XXXX, each credit reporting company should all have the same exact information nothing should be different.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my ChexSystems report. I have submitted multiple complaints to ChexSystems requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, ChexSystems is obligated to remove these disputed items from my ChexSystems report. I kindly request that the ChexSystems promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year>XXXX  My correct Social Security numberXXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX My employer is : XXXX XXXX  Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Product: Debt collection

On behalf of XXXX, a debt was settled through XXXX XXXX , XXXX . Some months later, Capital Management Services , LP tried to collect the same debt. I wrote to Capital Management explaining their error and received no response. Capital Management continues to send mail demanding payment. 

Attachments : 1. My letter of explanation to Capital Management 2. Capital Management 's demand for payment 3. Settlement letter from XXXX XXXX 4. Canceled check sent to XXXX XXXX with reverse stating " For Deposit Only, XXXX XXXX XXXX ''
Product: Debt collection

The alleged debts Portfolio Recovery Services claim are owed are over XXXX years old and beyond the statute of limitations provided under the Fair Credit Reporting Act. The company fraudulently misrepresents alleged debts are legally owed and must be paid in order to try and coerce a promise of payment.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Resolution Required : Unlawful Credit Reporting Violations under Missouri FCRA and Identity Theft Laws Dear CAPITAL ONE, I hope this message finds you well, albeit addressing a matter of pressing concern. I write to bring to your attention the grave issue of unauthorized information reporting to my credit file, a direct contravention of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), coupled with the pertinent Missouri FCRA provisions. 

It has come to my dismay that CAPITAL ONE has been engaging in the unauthorized reporting of information to my credit file without obtaining the necessary consent, a clear violation of federal laws as stipulated in the FCRA. Section 1681b ( a ) ( 2 ) explicitly mandates that consumer consent is an absolute prerequisite for such reporting activities. 

Beyond federal mandates, Missouri FCRA provisions reinforce the imperative of obtaining consumer consent for credit reporting activities. Your attention is specifically drawn to the relevant sections of Missouri 's FCRA, highlighting the necessity of explicit consent for reporting and the fair treatment of consumer credit information. 

Moreover, considering the severity of unauthorized access and misuse of personal information, it is crucial to emphasize the implications under identity theft laws, safeguarded by Missouri Penal Code Section [ Relevant Section ]. Unauthorized reporting not only breaches my rights but also jeopardizes my creditworthiness, a matter not taken lightly under these laws. 

I assert, unequivocally, that no explicit consent has been granted to CAPITAL ONE for reporting any information to my credit file. This lack of consent is a clear violation of my rights, constituting potential damage to my creditworthiness and a flagrant disregard for federal and state laws. 

I hereby demand, with utmost urgency, that CAPITAL ONE immediately cease any further reporting of information to my credit file without obtaining my explicit consent, in compliance with Section 1681b ( a ) ( 2 ) of the FCRA and the corresponding Missouri FCRA provisions. Non-compliance within the stipulated 30-day timeframe will be considered a willful violation, subject to penalties under applicable laws, including identity theft laws. 

It is imperative to understand that obtaining consent is not a discretionary choice but a legal obligation under the specified sections of the FCRA, Missouri state law, and identity theft laws. This is not a negotiation ; it is a demand for adherence to both federal and state regulations, safeguarding consumers like myself from unwarranted and damaging credit reporting practices. 

I anticipate your immediate attention to this matter and expect CAPITAL ONE to expeditiously rectify these egregious violations, thereby respecting my rights under federal and state laws. 

With a genuine hope for swift resolution, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Be Advised This is my XXXX attempt to fix this issue with Freedom Mortgage. In your correspondence dated XX/XX/22, you stated that you needed 30 days to review this matter. Maybe there is some miscommunication happening. I have given your company responsible amount of time to handle this situation. It is clear that you rather ignore my complaint against you and stall. 
I noticed some late payments posted on my consumer report. 
Freedom Mortgage Account XXXX XXXX Freedom Mortgage is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( XXXX ) XXXX XXXX and the person Freedom Mortgage is making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and XXXX clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 

Furthermore, under the Truth and Lending Act 15 USC 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

According to TILA a credit card is defined as 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

So, if XXXX is saying a Creditor may not treat a payment on a credit card my line of credit extend ( mortgage ) by means of my drivers license as late then how are you ( Freedom Mortgage ) reporting any late payments, that are being reflected onto my consumer report. 
I demand you delete this from all consumer reporting agencies immediately. 

XXXX XXXX mail Tracking # XXXX
Product: Debt collection

I never received a dunning letter from ERC. The only notification was when ERC reported the collection on my credit report and I received the alert via the credit monitoring program I am enrolled in.     I sent a certified debt validation letter  XXXX . ( attached ) ERC reponded  XXXX , almost  one month and 15 days later and did not validate the debt accord ingly . ( Letter  attached )
Product: Credit reporting or other personal consumer reports

I have tried to dispute these erroneous account that are on my credit report with all the credit bureaus and nothing was every done to my satisfaction. No proper investigation was ever done and because of this I have suffered undo hardship to my credit fie which has made it very difficult to obtain credit or make essential life decisions such as find better housing for me and my family.
Product: Debt collection

I had an XXXX rewards card back in XX/XX/XXXX for the amount of {$770.00}. Due to hardship I was not able to make payments and It was sent to collection. The Bureaus Inc took over the account and is using XXXX to collect the balance on the account. However, the original balance of {$770.00} went up to {$930.00}. I have been contacting XXXX since XX/XX/XXXX to find out why my balance increased by {$150.00} but they have failed to provide that information. XXXX rudely refers me back to The Bureaus Inc for any information on the account and state they CAN NOT provide any information on the account except for settlement offers. I have been in contact with the Bureaus Inc since XX/XX/XXXX by email and i was able to get the original XXXX card billing information but they FAIL to provide a statement or Bill demonstrating or explaining the charges being added to the original balance. I keep getting run around about why they can not provide a statement showing the {$150.00} extra charges and Im just being told that they are charges added without a clear explanation. I am willing to pay for the collection, but i am not willing to pay for unexplained charges that two agencies, The Bureaus Inc and credit XXXX, can not discuss openly with me. I think its frustrating and unfair that they keep giving me a number but FAIL to demonstrate how they get from {$770.00} to {$930.00}.
Product: Credit reporting or other personal consumer reports

Fraudulent Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX COMENITYCB/ XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Mortgage

In XX/XX/year>, I received the attached XXXX XXXX XXXX from SPS. To my surprise it listed a XXXX  shortage of XXXX ( XXXX  XXXX ) My property taxes ( homestead exception ) and insurance have been very consistent the last XXXX  XXXX  with an annual overage/shortage of XXXX XXXX XXXX XXXX. 
I have paid all escrow in XXXX. 
Also please note that there is no language in my XXXX  document stating that a XXXX XXXX  escrow reserve is required. My account has a XXXX  escrow reserve requirement of XXXX  XXXX. 
On XX/XX/year>, I contacted SPS by phone and email to dispute the escrow overcharge of XXXX. 
It has now been XXXX  XXXX  and SPS has still not resolved the escrow overcharge. 
Per the attached detailed communication with SPS I have regularly reached out to SPS by email and phone to receive a resolution. 
I have received a handful of explanations for the " shortage '' and none of them makes mathematically sense. 
SPS continue to delay a resolution and as recent as today I received a XXXX  XXXX  response extension letter to my email from XX/XX/XXXX. 
Meanwhile, I am being charged monthly XXXX to cover the " shortage ) in addition to the principal, interest and escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have attached the FTC reports and proper identification for your review
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX 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

On XX/XX/XXXX, XXXX XXXX XXXX Reported my mortgage as " closed at Consumers Request ''. My mortage is current and I did not request the account to be closed. This company continues to retaliated against me by reporting erroneous information to my credit file. Please see attached supporting documentation which includes a copy of my Experian Credit file and my account status with XXXX  as of today ( XX/XX/XXXX ).
Product: Prepaid card

I started using a kickoff card to have my direct deposits go to because they advertised that every time I made a transaction it would help my credit score go up. I never saw any change to my report nor did anything even show up on my report related to kickoff during the 6-8 months of me using the card and paying transaction fees consistently so I switched my direct deposit back to my normal bank account and stopped using the kickoff card. Since then kickoff now appears on my credit report negatively claiming I had a line of credit that had been charged off in the amount of XXXX dollars. I never had any credit provided to me as any money on that card was put on there by myself. It was supposed to work similarly to a secured card but was a debit card at least that was how it was presented. The inaccurate statement on my credit report is now affecting me negatively and needs to be removed.
Product: Debt collection

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Subject : Dispute of Credit Report Information Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) Dear Sir/Madam, I am writing to formally dispute certain information that appears on my credit report. I have reviewed the report provided to me and believe that there is inaccurate or incomplete information listed. Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I am exercising my right to dispute this item and request that your agency investigate the accuracy of the information.

The specific item ( s ) in question are : Portfolio Recover Account # XXXX I believe that this information is incorrect because it is outdated, showing a wrong balance. In accordance with the Fair Credit Reporting Act, you are required to conduct a reasonable investigation of the disputed information and provide me with the results within the required timeframe. Please ensure that the information is reviewed and, if necessary, corrected or removed from my credit report. 
Please notify me of the outcome of your investigation as soon as it is complete. Additionally, if the dispute is resolved in my favor, please update my credit file accordingly and send me an updated copy of my credit report reflecting these changes. 
Thank you for your prompt attention to this matter. I expect that you will act in accordance with the guidelines set forth by the Fair Credit Reporting Act and resolve this issue as soon as possible. Should you need any further information from me, please do not hesitate to contact me at the above-mentioned phone number or email address. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX I sent in a dispute letter to Citi Cards CBNA and all XXXX credit bureaus. On XX/XX/XXXX I sent a second dispute letter to Citi Cards CBNA and XXXX  credit bureau regarding a collection/charge-off that was opened in XXXX. XXXX  is still the only credit bureau listed on my credit report while XXXX  and XXXX  has since deleted this collection/charge-off from my report the first time around. It is well over 30 days again and the account still has hasn't been updated or removed.
Product: Vehicle loan or lease

Good Afternoon, I started the loan in XXXX on a XXXX XXXX with Citi Financial Auto. In XXXX Citi Financial Auto went bankrupt and I am now trying to get rid of the vehicle. I have tried for over 6 months to get the lien taken off the title but with Citi Financial no longer in business I am unable to do so. and I can't get the title without the lein being taken off in the State of Tennessee.
Product: Checking or savings account

XX/XX/21 - account was locked for fraud and Citbank is refusing to unlock funds, fix payments or close acocunt
Product: Credit card

Fraudulent charges were made to my Apple Card in XX/XX/year>. Ive disputed them every XXXX  days. They do not do anything but just keep reopening a dispute. I continually have issues with fraud on this card. Ive requested new numbers several times. We are coming up on a year with XXXX results. 

Amounts are : {$1800.00} {$930.00} Made on the same day XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed complaint # XXXX Shellpoint / New Rez Mortgage continues to report inaccurate information while taking no liability for their actions only to blame me. To date XXXX is still showing outstanding balance of {$88000.00} and late payments. Shellpoint was paid in full XXXX XXXX in which they denied. Shellpoint stated I still owe to date the money for Insurance XXXX and Taxes  XXXX that they paid on the same day the loan was paid off. Shellpoint has refused to show any documentation proving these payouts were even made. Shellpoint has now issued me a check for {$6700.00} ( see attached. ) while still stating that I owe them additional money. 
How is it that I owe them this money but they send me a check. 
Shellpoint has only now sent me a paid in full letter ( Received XXXX ) while trying to back date it as they did with the original payoff while claiming this was done before but still not reporting it to credit agencies. They stated to me that was my responsibility to report it. 
Once again this is showing Shellpoints inability to show accurate honest accounting practices and timely accurate reporting to all credit agencies. 

Requesting that Shellpoint remove all negatives and outstanding balances from my credit reports.