23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEAPRTMENT PORTFOLIO RECOVERY A Reported : XXXX XXXX, XXXX {$680.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PORTFOLIO RECOVERY A Reported : XXXX XXXX, XXXX {$680.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

Hello, I have sent several debt validation letters to hunter warfield and they have also sent the same documents copies of a lease up until XX/XX/XXXX. They also sent a list of charges. On XX/XX/XXXX I mailed and also faxed them a new dispute letter because the amounts they were charging for was XX/XX/XXXX-XX/XX/XXXX. I never received a lease from them which showed the dates hunter warfield was trying to collect for. Hunter sent me new documents which I received XX/XX/XXXX. In looking at these documents it is clear that 1 they have been photocopied in their favor 2 signatures were used and copied from one lease onto another.While the original company XXXX XXXX or Hunter Warfield used these documents to try and collect monies they are not owed when all the steps were taken on my behalf when I gave notice of moving out. They just decided to report to the credit bureaus after 3 years about this debt without any prior notice or a change to properly dispute it before damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Name : XXXX XXXX Employer XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collecons XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collecons XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX Employer XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collecons XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I spent 3 hours : read instructions, registered, set up virtual wallet and phone passcode, found eligible store, tried to use several times with several iterations of entering data in store reader. All rejected. Reviewed all procedures several times from receipt through XX/XX/2025. 

amount {$7.00} credit balance, store : XXXX
Product: Credit card

Will you please ask Synchrony Bank to give me a final notice that shows the account was closed without a due balance and date closed? Please view the details because sent in complaints, XXXX closed the accounts after my complaints to the Consumerfiance.gov. Then I continued to get more letters from Synchrony Bank as if the account may be opened? 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received " Balance Eraser Loan Program '' ID card in the mail. from Arvest Bank. I DO NOT want any prescreened offers sent to me. When I tried to go to the XXXX, they requested my social security number to proceed. Due to recent date breaches, I will not give out my number but do not wish anyone to assume I want unsolicited offers. The information sheet that was sent to me involved XXXX, XXXX, XXXX, and XXXX Consumer assistance. I do not want any offers of credit from anyone. If I want credit information, I will request it. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  all are reporting that I paid my XXXX XXXX mortgage late. I did a Home Modification with XXXX XXXX. I even have a letter from XXXX XXXX that I have submitted to all three credit bureaus stating the negative information on my account is incorrect. It is still being reported as late on all my credit report. XXXX XXXX stated it would be deleted. I have disputed with all three credit bureaus who have yet to correct it. I have never paid late! 

There's also two XXXX XXXX XXXX accounts on my report. I have never had any other mortgage. I have only had one. They gave me a new account number when XXXX was bought by XXXX XXXX but that doesn't change that fact that I've one had one account ( it isn't a new account ) and that I have never been late.
Product: Credit reporting or other personal consumer reports

I was in the process of purchasing a home when I learned that I had several late pays, in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instructions. under 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.
Product: Credit card

This is about the Home Depot credit card by Citibank. 

I applied and was approved for this credit card by or around XX/XX/2023. I went for an initial online purchase of {$21.00}. That was the first ( and last ) time I used the card. I scheduled via XXXX the payment in full of first statement at least 5 business days in advance of due date. 
For some reason, Citibank claimed they received the payment one day after the due date, so the fees and interested kicked off. 
Even I provided to Citibank proof when payment was made, but in every call I had about, whoever was on the other line sounded much more as a debt collector rather than a customer service associate. Citibank continued adding {$50.00} plus every month they send the statement. At this point, my balance shown around {$250.00}. 
My credit score went from almost XXXX to below XXXX due to the continue unpaid balance report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this fraudulent information deleted from my Equifax report. I've never lived at XXXX XXXX XXXX. I've been at my current address since XX/XX/2019. I've filed an FTC report because I believe my identity has been compromised, or there's been an error with someone who has a similar name as me. Please review the information that I am sending & delete this information from my report.
Product: Mortgage

Received notice that I may be eligible for a mortgage refund by OCWEN " MISDATED LETTER CREDIT '' I was inform to submitted request for possible refund and that I would be informed of egibiliblity within 180 days. I submitted my request XXXX XXXX, I was recently informed by OCWEN that it would b ANOTHER 180 days from XXXX
Product: Mortgage

XX/XX/year> Requested payoff balance online. Sent funds in two installments immediately from XXXXXXXX XXXX which were received by Watermark XX/XX/year>, {$5000.00} and XX/XX/year>, XXXX. Payoff figure was {$17000.00} which was good until XX/XX/year> with interest and fees included but all funds were not applied to principal and loan principal balance is incorrect at {$6500.00}. I called XX/XX/year> and spoke with XXXX to see why funds they have received early in the week with a payoff request have not been credited to the principal to pay off the loan. Got the run around for 49 minutes and requested to talk with a supervisor. Supervisor to call me back in the next 18 minutes.
Product: Credit reporting or other personal consumer reports

Good Afternoon, By way of introduction, my name is XXXX XXXX. I am a XXXX plus year XXXX in the credit and banking industry. I have carried a credit score of over 700 until relatively recently. My credit score has plummeted to less than 600 even though I pay my bills. Over a 30 or so year credit reporting history, I have been 90 days on XXXX accounts XXXX  years ago, and I have had maybe 4, 30 days over the past 2 years or so. 
The issue I have is that, even though i am paying, the credit card companies have lowered my limits. This in turn increases my utilization which in turn lowers my credit score. When one company does it, the others follow by lowering my limits to the balance owed. By doing so, the credit card companies are able to charge me the highest rates allowed by law while simultaneously limiting me in obtaining a consolidation loan or a credit card with a high enough limit to pay off others. 
Because of a recent divorce, XXXX sons in college, and my work in the turbulent mortgage industry, I have used my cards more over the past 3 years, I carry about XXXX in credit card debt, more than I would like but manageable. I had hoped to get these consolidated but because my score is so low, I can not. In addition, when I review my score, the advice I get is to " open another credit card '' This will decrease your utilization rate. that's bad advice! 
I have talked with several friends and colleagues about this, and the vast majority are experiencing the same thing. 
Right now, I am trapped, with NO way out. Credit cards are necessary today and can be crucial in tough times. 
This seems to be a concerted effort to keep the consumer paying the highest rates possible while locking them into keeping the cards because there is no viable option to pay them off. 
I would ask you to look into the practices of credit card companies to see this and to determine what should be fixed. If not corrected, many consumers will simply give up and stop paying and what are the credit card companies going to do? ruin their credit scores, too late they are already so low it doesn't make a difference. Thus, there will be a huge write-off in the future. 
my cards are with Barclays, wells, and discover. 
thank you for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is Disappointing! The Credit Reporting Agencies have been ignoring my requests for the deletion of the disputed fraudulent accounts and information being reported on my Credit File. The Credit Reporting Agencies are required to verify and delete the disputed accounts and information that was opened due to identity theft under the Fair Credit Reporting Act section 605b. I personally contacted the Data Furnishers and inquired regarding the disputed accounts and information, they were responding to me proving that the Disputed accounts and information were erroneous in some way. Yet you are reporting the disputed items as verified and authentic! This action is a clear violation of the Fair Credit Reporting Act section 605b and is punishable by law. I am submitting this CFPB Complaint to urge you to comply with the Federal law and have the disputed accounts and information deleted from my Credit File before I am forced to take legal actions. Once again, I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}. The Credit Bureaus claimed that the disputed accounts and information belong under my name and was verified and yet they have failed to send me copies of proof of verification and or ay documents bearing my signature. The Data Furnishers themselves verified that the disputed accounts and information were erroneous. I need the disputed accounts and information completely removed from my Credit File as soon as possible.
Product: Credit reporting or other personal consumer reports

A debt validation letter was sent XXXX XXXX XXXX to validate debt listed on my credit report. The company has failed to validate debt made pursuant of 15.USC.1692.G.Sec.809. ( b ) of the FDCPA. XX/XX/year> pm XXXX XXXX XXXX. A request to validate this debt with Original signed contract, proof of assignment from original creditor or chain of title, right to collect debt in my state, insurance claims filed on debt and payment history.
Product: Credit card

I was effective by the XXXX wild fires I need payment relief long term with discover and I have attempted to get help but there arent any options for fire victims.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX all violated my consumer rights to privacy under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out.

( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

At no point have I been given an such correspondence as to the methods listed in 15 U.S. Code 6802. Only after extensive research, I happened across the information in these codes, as well as The Privacy Act of 1974, a United States federal law, which establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 

XXXXXXXX XXXX XXXX Credit usage, balances, and payment history displayed XX/XX/XXXX - XX/XX/XXXX XXXXXXXX XXXX - Credit usage, balances, and payment history displayed XX/XX/XXXX - Present XXXX XXXXXXXX - Credit usage, balances, and payment history displayed XX/XX/XXXX - Present In accordance with the Fair Credit Reporting Act, as a federally protected consumer, I am now exercising my right to opt out of any and all authorization I the consumer may have given you, written, unwritten, verbal, nonverbal, and otherwise per 15USC 6802.
Product: Credit card

When purchasing Southwest Airlines tickets I was offered a promotional credit card through Chase with the following rewards ; XXXX Rapid Rewards points within six to eight weeks after spending {$500.00} within the first three months and a {$200.00} statement credit after your first purchase. Once I signed up, Chase upgraded me to a more " premier '' rewards program with XXXX Rapid Reward bonus after spending {$2000.00} within the first 3 months. I did not sign up for this premium program, and Chase was unwilling to correct my request from calling on XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX & XXXX ( supervisor ) to again make a request to correct this issue and was told I could not. Sent request over to marketing department to correct and it was declined. I requested the account to be closed and the credit bureau inquiry removed. XXXX said he could not do that and he would forward me to credit bureau department to handle removing the credit inquiry. I spoke with XXXX from the credit bureau, he stated he could not remove the credit inquiry. He said the rewards program does not affect the terms and conditions of the credit.
Product: Mortgage

My parents passed recently and I am the executor of record with XXXX XXXX County through probate. There is a mortgage recorded XX/XX/1996 that no satisfaction of mortgage was filed for yet for a mortgage with the same bank, XXXX XXXX, that has folded, Ocwen filed a release for. There have been numerous mortgages after the fact but because we can not get the SMO for the 1996 mortgage, we are unable to sell the home as title will not clear. Ocwen requests proof of payment from me for a mortgage of over 24 years when the house has been emptied for 5 months.
Product: Checking or savings account

XX/XX/XXXX Spending Account Ally Checking account open. 
with Ally Bank {$200.00} Checking Bonus ( XXXX ) XX/XX/XXXX Direct Deposit Future Amount : XXXX ~ Tran : XXXX {$1500.00} Latest date to receive the bonus payout past ( XX/XX/XXXX Was the last day to receive the bonus ) Tried to call/ chat with the bank associate for this matter. 

https : //www.ally.comXXXXXXXX This is the term and conditions Ally Bank is offering a {$200.00} checking bonus ( they call the account a Spending Account ) when you open a new checking account and get at least {$1500.00} in total direct deposits within 90 days.

Heres how to go about doing this bonus : Open your first Spending Account by XX/XX/XXXX. Use code XXXX. Make sure to fund your account within 30 days of opening it. 
Set up one or more direct deposits. Make sure they total at least {$1500.00} within 90 days. 
Youll get the {$200.00} bonus within 30 days of your account receiving {$1500.00} in qualified direct deposits.
Product: Credit card or prepaid card

I applied for a credit card through Wells Fargo at a 0 % interest rate for 12 months which I planned to use towards some repair work I needed done at my house. I was approved and sent the credit card along with two giant checks. The contractor did not have the means to accept a credit card but said he would take two checks for payment. I read the information regarding the the check usage and everything I read led me to believe that they could be used same as the credit card unless i used them as a balance transfer. I was not transferring any balances so I wrote the checks. A couple days later when I called the automated number to make sure the contractor cashed the checks, I was shocked that the balance was in fact {$380.00} more than I charged. I called the bank right away and they told me that the {$380.00} was a transaction charge for making a balance transfer! I told them that I did not make a balance transfer and that I would rather pay cash out of my savings than lose {$380.00}. They said they would escalate my concern and someone would get back to me. A person named XXXX sent me an email around 10 days later with more language about using the checks as a balance transfer. I tried to call her but she is never available. Ii called customer service back and asked if I could just pay the balance minus the fees before the statement came and they said no. I feel like I was duped and that my money was stolen from me. I never asked for checks in the first place and for the bank to send two GIANT checks with tiny print about " balance transfer ' language that nobody understands with the credit card that I did request feels like fraud. 
The bank sent me photos which I am enclosing which I actually read but it is and never was clear to me that the checks are considered " balance transfers '' regardless of what you use them for. In my mind I always thought a balance transfer was a transfer of monies from one account to another not a payment like a credit card or regular check. 
Please help put a stop to this unfair practice.
Product: Checking or savings account

I have two accounts one with no money other with money I need that asap owner of XXXX XXXX XXXX business thank you ....