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

Hello and thank you for reading my complaint. 
I was sent a pre-approved credit card offer from XXXX, XXXX XXXX XXXX, a XXXX XXXX company. I NEVER replied in ANY form. Then, I started receiving calls from collections from the company. I never applied for the card nor activated it. I certainly never used it. It is destroying my credit and they will not return my calls.
Product: Debt collection

this is against american first finance and XXXX XXXX XXXX XXXX.. i was financed through american first finance and purchased merchandise through XXXX XXXX XXXX XXXX  i did not receive all of the merchandise but both parties were telling me otherwise. i was supposed to receive two twin beds with everything but that was not the case. they conned me. and lied to me and wont close out my account with american first finance
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been one person who wasn't doing their job - which means more mistakes. I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. I want you to send me a hard copy of your actions and my updated credit report. The evidence of your actions and my updated credit report should be sent via mail. The allegations appear to be inaccurate. Please provide accurate and verified information for each claim or I will have no choice but take legal action against you! 

I dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated credit report.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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

Upon checking my last credit report I realized that I have XXXX hard inquiry that I do not recall and that I have not given the consent to pull. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

It started with a letter in the mail from a company called XXXX XXXX. They claimed that they were able to consolidate my student loans and were able to get me a lower payment. Therefore I called them and after the " paperwork '' was done I had to pay {$800.00} upfront and the monthly payment was supposed to be {$49.00} a month. All of this happened in XXXX. Then in XXXX my loan servicer contacted me and said that I had to start paying my loans, which was weird because according to XXXX XXXX I was paying them already. Then I tried to call them and of course no one answered. Then I researched a little bit and turns out that I wasn't the only one with this problem with this ilegitimate company. Then I called my bank which is Well Fargo, and they basically said that they couldn't do anything because the transactions counted as me not being satisfied with the service the company was providing. I told them that there was no service because it was a scam, and they just didn't do anything.
Product: Debt collection

I have a debt reporting on my credit for an account that is not mines. I have no knowledge to where this debt originated from nor have I authorized anyone else on my behalf. This debt does not belong to me
Product: Debt collection

The original debt was to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe, but I'm not certain at this point. ( I have no actual record in my personal files of what the charge ( s ) is/are for. ) Over the past couple of years, I have requested several times that Portfolio Recovery Associates validate the origin or debt and provide me with details to validate the amount reported. The last written request attempt was on or about XXXX. To date, nothing has been received back. 

On XXXX, I searched the XXXX website and verified that this company is not even licensed to conduct business or collect debt in the state of Texas, where I live. Despite this, they have reported a collection account on my credit report, which is negatively impacting my credit score, and continue to report it as an open installment account with XXXX and XXXX, ( closed with XXXX, ) stating the account is seriously past due each month and as in collections. Each of these reporting agencies are reporting conflicting information regarding the date of last activity, creditor type, and account status and type. This is unacceptable!

This negative reporting for an invalidated debt account has significantly damaged my credit score, causing me severe financial hardships. Specifically, it has : - Affected my chances of getting a job in the financial industry which aligns with my profession. 
- Limited my ability to purchase a home and car, among other necessities.

- Made it difficult to rent property as my applications frequently get turned down.

- Prevented me from getting credit card approvals and from securing financial lines of credit - I can not even get approved for a debt consolidation loan to pay the original creditor off!

- Forced me to pay higher interest rates than I would have if my credit score were not so low. 
- Caused me to pay higher insurance premiums and be required to put down deposits for utility services and cell phone contracts- Dealing with these financial difficulties and the consequences of poor credit have led to significant stress and XXXX, affecting my overall well-being. 

Immediate Cessation of Collection Activities : Portfolio Recovery Associates should immediately cease all collection activities related to this account in the state of Texas until they obtain the necessary licensing to operate legally within the state.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, have violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

Bank of America has failed to release funds in a checking account held in trust. They are essentially stealing from my mother 's estate. 
XX/XX/XXXX BofA was notified of my mother 's death XX/XX/XXXX went to BofA financial center with death certificate, trust, certification of trust. Documents scanned and sent to Estate Services ( ES ) and confirmed by banker via phone. No additional documents required XX/XX/XXXX Called ES at XXXX and spoke with XXXX. They needed one last document. He said he would send link. 
XX/XX/XXXX Went to BofA financial center as link never came. Banker spoke with XXXX at ES. She stated that the only item missing was a new EIN and funds could be released in 6 days. 
XX/XX/XXXX Applied and received new EIN. 
XX/XX/XXXX Submitted new EIN letter from IRS to BofA financial center. Banker spoke with ES and they suggested that I fill out a signature card and submit, which was completed. 
XX/XX/XXXX called ES and spoke with XXXX. She said paperwork was incomplete on the signature card. The form that the banker had access to on XX/XX/XXXX was not the form they wanted. Went to financial center. Banker printed off the forms that were attached to the letter from ES dated XX/XX/XXXX. Filled out forms in front of banker and he faxed to ES at XXXX XXXX. 
XX/XX/XXXX called ES and spoke with XXXX. Filed complaint XXXX XX/XX/XXXX called ES and spoke with XXXX. One page missing from the fax. Per XXXX, I could fax that page with a cover letter to XXXX. 
XX/XX/XXXX faxed one-page document with cover letter to above fax number XX/XX/XXXX Called ES and spoke with XXXX. She said info from XXXX was incorrect as a single page was not sufficient and all the documents requested from XX/XX/XXXX needed to be resubmitted. She opened up complaint for the erroneous information provided on XXXX While on the phone with XXXX, she sent a link to the document center. I scanned and uploaded the documents and she confirmed receipt. 
XXXX Called ES and spoke with XXXX. All documents were in and under review. Monies should be available in four business days. 
XXXX called ES. Documents not approved as there was an issue between how my mom named me on the first page of the trust ( using my nickname ) and on the signature card, even though in the remainder of the trust and in all other documents, my birth name is used. Opened compaint XXXX, Per BofA it will be another 10 days before I have access to these funds.
Product: Credit reporting or other personal consumer reports

From XXXX I have been trying to get a copy of my credit report from Experian after discovering from XXXX and XXXX that my identity was stolen. I have spoken with one individual at Experian after waiting on hold for 25 minutes only to be transferred and disconnected. We believe my account has been compromised as the verification code sent to my cell phone are not working. Experian seems to be unable to get me in contact with a human that can help fix the problem. 

Supposedly, I need to speak with a special department at Experian but they will not give me a direct line to this department and the phone tree will not connect me with this department. 

Even Experian 's own representative acknowledged that their IVR system is poor and unusable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I sent a letter to the US Courthouse asking do they report Bankruptcies to the credit bureaus and I got a letter back from the US Courthouse stating " They do not report any Bankruptcies or verify any information with anyone. '' XX/XX/XXXX, I sent a letter to XXXX Courthouse asking do they report Bankruptcies to the credit bureaus and I got a letter back from XXXX  Courthouse stating " They do not report any Bankruptcies or verify any information with anyone. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681. 

US Courthouse tracking number : XX/XX/XXXX - XXXX 1st attempt : I sent a Bankruptcy Investigation letter to XXXX XXXX XX/XX/XXXX, I got a letter back XX/XX/XXXX stating that the Bankruptcy was verified through the courts. I sent a letter XX/XX/XXXX to XXXX XXXX with court documents stating the courts does not verify nor contact the credit bureaus with any information, I asked them to delete the Bankruptcy. I get a letter back from XX/XX/XXXX from XXXX XXXX stating they could not identify my identity even after I sent proof of residency which they responded to me before when I contacted them. 

Here are my tracking numbers for the 1st attempt : XXXX - XXXX XX/XX/XXXX - XXXX 2nd attempt : I sent the same deletion letter out from the 1st attempt on XX/XX/XXXX letting them know this is my 2nd attempt with MORE Identity and residency documents like my ( Insurance Policy, Bank Information, Birth Certificate & Drivers License ). I get a letter back XX/XX/XXXX stating they VERIFIED through the courts. How is that possible. DELETE!!! 

Here are my tracking numbers for the 2nd attempt : XX/XX/XXXX - XXXX 15 USC 1681 section 603 ( 3 ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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: Credit card

USAA has long reported a credit card debt charge off against me. Ive never received proper documentation discussing options nor interest associated with charge off in accordance with FDCPA and truth in lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion numerous of times about the following inquired on my report. 
1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
Product: Debt collection

Gurstel Chargo has committed numerous FDCPA violations related to a dunning letter sent to consumer dated XXXX XXXX, 2015. In the letterhead of the 'dunning ' letter Gurstel Chargo claims to have offices located in Nebraska . Checking with the Secretary of State 's Office, no licensed collection agency by that name exists. Furthermore, the letterhead represents Attorneys at Law but has a 'disclaimer ' in the body of the letter that states : " At this time, no attorney with this law firm has personally reviewed the particular circumstances of your account. '' - If an agency incorporates the use of form collection demands on attorney letterhead the agency MUST incorporate " meaningful attorney involvement '', into its collection process. 15 U.S.C. Section 1692e. These are just a few violations regarding a dunning letter sent to consumer dated XXXX XXXX, 2015. 
Consumer will file a federal and state lawsuit against Gurstel Chargo for violations of the FDCPA, FCRA and TCPA if Gurstel Chargo continues to contact consumer by mail and/or telephone after receipt of dispute notification. Consumer wishes Gurstel Chargo to 'cease ' all contact with consumer as consumer does not owe a debt to Gurstel Chargo . Consumer has no fiduciary, contractual obligation to pay Gurstel Chargo anything. There is no payment history, nor products, or services that have been rendered to Gurstel Chargo, because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Consumer 's sole income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act ; ( SSA ). Consumer is head-of -household and possesses no property of value. Consumer 's federally protected income presents a 'genuine issue of material fact ', that will result in a frivolous lawsuit if pursued. Consumer filed this complaint as a means of formal documentation that consumer will 'tender ' as evidence in a court proceeding if Gurstel Chargo pursues this matter. Consumer refuses to be a victim of 'unjust enrichment ' or extortion. Consumer thanks CFPB for providing this venue as documentation.
Product: Mortgage

I lost my job in XXXX, XXXX. I went through my savings and retirement while I was looking for work and didn't find a new job until XX/XX/XXXX. That was a 3-month contracting position that ended XX/XX/XXXX. I fell behind on my mortgage and began applying for a loan modification later in XXXX when I found work but at a fraction of what i was making before I lost my original job in XXXX. I was declined the modification and reapplied when my wife started working as well in XXXX of XXXX. My request was declined yet again and I applied for a short-sale and was approved by Suntrust to pursue it. I listed my home with an agent and got an offer which I presented to them but they did not accept the offer. They gave me until XX/XX/XXXX to get another buyer but they set a price that they would accept which was a new stipulation not in the original agreement and did not constitute a short sale at all but one that would make them whole. 
They also stated that if I did not get a contract by XX/XX/XXXX the would agree to accept a deed-in-lieu of foreclosure but expedited the foreclosure process early in XXXX. Now at a court date on XX/XX/XXXX the foreclosure sale date was set for XX/XX/XXXX. The problem is they never actually tried to modify my loan. I know this because they never asked for bank statements. They explained that I was denied because my income was short by {$150.00} per month. They also explained that my payment would have increased by {$150.00} per month based on their modification process. Basically, their process resulted in a larger payment than the one I could not afford in the first place and that increase resulted in me being denied a modification. Where is the relief? The modification process was a farce. So was the short sale agreement since they introduced new terms after I found a buyer. 
I am now applying for a deed -in-lieu of foreclosure but they have lost parts of my application and tell me I will have to start from scratch if they don't have a complete package by XXXX, XXXX. 
They are now working in good faith and have frustrated me at every turn and only seem interested in seeing the foreclosure process through despite my many attempts to resolve as painlessly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a dispute request to XXXX, XXXX  and Transunion as I successfully identified some inaccurate information on my consumer credit file. On XX/XX/XXXX I received notice that my disputes were opened on my behalf, which is about 45 days from my initial submission. Today is XX/XX/XXXX and I have yet to receive an update.
Product: Credit card

I got a new discover card because they had the promotion of 10 % back for upto XXXX payed with XXXX pay. There should have been an other 10 % cash back after 13 months. There was no limitation like gift cards, or need to have recipes or share purchase itemized data with discover. but now Discover do not awarded any bonuses for transactions they subjected to have gift cards included. So the process is to flag bigger dollar amount transactions and make the customer provide the information if he wants the cash back bonus. SO at a nut shell Discover changed the therms retroactivly. Discover has no level XXXX data so now they want recipes for purchase made XXXX so i guess discover does not care about privacy laws neither ....
Product: Credit card

My wife and I were both scammed by this company by the name of XXXX XXXX XXXX ( XXXX XXXX XXXX ) where we were promised various accomplishments if we would join their team. After couple months in we noticed things weren't how they said they would go and so we reached out to their " customer service '' representative after explaining our concerns they ended up saying the services were rendered which they weren't. We started looking a bit further and reached out to other members that joined the same time we did, and they also started making complaints to the company. Months passed and the company came up on the news stating that they were making fraud by promising to their customers an easy way of making money by joining their team of investing in properties. They are currently being investigated and the FTC is also being involved in this case which the FTC advised the affected customers to reach out to the bank institution and try to get a refund of our money. We then reached out to my bank institution which is Bank of America we explained the whole situation and a claim was opened. We received feedback on the case and unfortunately, we were not lucky enough to get out money back one because of how long it took to open a claim, and second because there wasn't sufficient information to prove there was an error in the transaction. We called and explained FTC advised us to open a claim, but they still did not solve anything for us. A lot of members that joined the same time we did were lucky enough and got their money back unfortunately we haven't seen any update on our case. We have receipts of everything including email conversations, total amount that we need refund on, letter of case denied by our bank institution, Whatever proof we can provide for someone to help us on this please we beg for help since it is a lot of money we worked hard for and only wanted a better life for our kid.