23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a credit card offer to apply for their credit card, I received this offer thru the mail. 
The card was CITI XXXX. They said if I was approved for this credit card, & then I spend {$3000.00} on credit card charges within the first 3 months of the card, I would receive XXXX XXXX Miles. I did apply for the card & was accepted. I did spend {$3000.00} on this credit card within the 3 month period of time. So, I did check on my XXXX mile account, no XXXX miles was given to me. I contacted customer service, & I did receive a letter stated since I had a previous credit card within the last 24 months -- no XXXX miles awarded. They stated I had a card 18 months ago. 
They send me this credit card invitation, I did not go to them. They then let me put {$3000.00} on the account, no letter or phone call to let me know that I was not eligible for the miles. 
I had to call them & ask what is going on. 
On XXXX/XXXX/2016 I did cancel this credit card. They send me the invitation to join, they never told me I was not eligible for the miles -- what a way to do business!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} 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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Fraud Dispute Name : XXXX XXXX XXXX : XX/XX/XXXX Social Security # : XXXX To whom it may concern, Subject : Fraudulent Items on Credit Report ( Transunion ) As I reviewed my recent credit report I have discovered that there are fraudulent activity ongoing with my credit. I have fully reviewed my credit report and would like to request that the items listed below be removed pursuant to federal law. 
I am demanding that these items be removed immediately as I am providing you with my proof of identity, police report, and identity theft affidavit. I will not hesitate to file a lawsuit if these items are not removed within 30 days. 


ACCOUNTS TO BE REMOVED : XXXX CREDIT. ACCOUNT XXXX : XXXX ACCOUNT BALANCE : {$19000.00}. DATE OPENED : XX/XX/XXXX. 
XXXX XXXX XXXX  ACCOUNT # : XXXX. ACCOUNT BALANCE : {$46000.00} DATE OPENED : XX/XX/XXXX. 
XXXX XXXX ACCOUNT # : XXXX. ACCOUNT XXXX {$4000.00}. DATE OPENED XX/XX/XXXX. 
XXXX XXXX. ACCT # : XXXX. BALANCE {$3800.00}. DATE OPENED XX/XX/XXXX. 

COLLECTIONS TO BE REMOVED XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX. ACCOUNT # : XXXX. ACCOUNT BALANCE : {$420.00}. DATE OPENED : XX/XX/XXXX. 

INQUIRIES TO BE REMOVED : XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX XXXX XXXX  XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX. 
XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX. 



Sincerely, XXXX XXXX
Product: Debt collection

I requested debt owed breakdown since vehicle was sold but never received paperwork proof ( receipt ) that I still owed anything after sale of vehicle by Ford. When I disputed they reduced amount owed however I tried to make a payment agreement after reported me to collection and requested a pay for deletion agreement which they refused to offer and when I called Ford auto finance it was to no avail as I got no answer and was just sent back and forth between their third party collection agency and Ford auto finance. They reported this debt years ago they sold vehicle so where is the proof that I owe on a vehicle I dont possess. Id like to resolve this but with concrete proof of debt in detail sent to me because I have no proof just their word which isnt enough verbally. I also would like a payment plan & removing the negative reporting after I have been trying my best to no avail just want to ruin my credit when I am trying in this most difficult economic times as a single mom of XXXX I still wish to pay my debt if it is legitimately owed with proof and to have someone reach out to me to actually help give a payment plan and remove all their negative reporting when I have been trying my best to pay this debt if owed. It is not easy trying to call a company that gives you the run around and no solutions to help but simply wish to ruin your credit because maybe they have already had this debt paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and have a credit history spanning 37+years. In XXXX of XXXX I wanted to purchase a home so I checked my 3 credit reports through XXXX XXXX XXXX. Equifax was one of those. In mid XXXX, the mortgage company checked the reports as well and all was fine. This week, the underwriters wanted one more look. But my Equifax credit report file was unavailable. I called Equifax and they told me that I DID NOT HAVE A CREDIT REPORT ON FILE WITH THEM!! I faxed in my social security card, my driver 's license, my address, previous address, date of birth, previous name, anything that would help. I spoke with 6 agents, one from fraud dept., and a supervisor. I have no Equifax credit file. Someone at Equifax deleted my information through fraud or incompetence. I need your help, please. There are the SAME people who caused the XXXX data breach. Please help me!!
Product: Debt collection

I have had my Wells Fargo dealer services account for over four years and have never been late on a payment. Around XX/XX/XXXX I left the country for a while ( job related ) and prior to leaving payed my monthly bill as well as set up an auto payment system with my account, seeing that I would have little access to the internet or phone. When I returned in XX/XX/XXXXI was immediately bombarded with calls from Wells Fargo dealer services stating that my account had entered a 90 Day derogatory status. I spoke to multiple people online letting them know that I had set up an auto payment system, and was basically told they had no record of me asking to do that and tough luck. I tried to hold out and contact someone to help prove that I had asked for this but my credit score became negatively effected as well as Wells Fargo having collection agents call my phone every half hour asking for me to pay the month that I missed while I was gone. I would like to know that if there is no record of me setting up an auto payment system, how did the other months that I was gone get paid out, but one was missing. In the end I ended up paying near {$500.00} dollars ( as opposed to the {$210.00} I usually pay ) and my credit score took a massive hit in order to get the account back active.
Product: Consumer Loan

I have been trying to get help resolving a lot loan charge off with BOA and I am getting the run around.
Product: Credit card or prepaid card

My name is XXXX XXXX and I made a XXXX XXXX payment through my bank to Comenity Bank/BJs credit card company in the amount of {$1100.00} for a bill due on XX/XX/2022. On XX/XX/2022 funds were debited from my checking account and payment in full was electronically sent to Comenity Bank on behalf of my account. Since XX/XX/2022, I have attempted to get this resolved as my statement showed the amount unpaid. I contacted Comenity and my bank- XXXX- on a dozen occasions to no avail. XXXX contacted Comenity 2 times and sent 2 faxes ( at the fax number supplied by a Comenity representative ) showing proof that payment of {$1100.00} was electronically sent and that Comenity received it. I can NEVER get through to Comenity only after waiting on hold for over an hour, each and every time. They now are charging me late fees, etc. and refuse to do anything to help. They are going to ruin my credit and I am out {$1100.00} plus. I always pay by bill in full. Last 4 digits of my account # is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

US DEPT ED XXXX XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$1400.00} US DEPT ED XXXX XX/XX/XXXX {$0.00} US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy .

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Laws Dear CAPITAL ONE AUTO FIN, I am writing to address a significant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with relevant XXXX XXXX identity theft fraud laws. 

It has unequivocally come to my attention that CAPITAL ONE AUTO FIN has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Furthermore, Saint Louis identity theft fraud laws emphasize the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for CAPITAL ONE AUTO FIN to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, potentially damaging my creditworthiness and showing an unequivocal disregard for federal and local laws.

I demand, with the utmost certainty, that CAPITAL ONE AUTO FIN immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including XXXX XXXX identity theft fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obliga
tion under th
ese specific sections of the FCRA and XXXX XXXX identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and local regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CAPITAL ONE AUTO FIN will promptly rectify these egregious violations, respecting my rights under federal and local laws. 

Done in good faith, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights. 

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 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: Debt collection

XXXX XXXX XXXX sent my job a wage garnishment without me knowing. I was only given 11 days and it's not right. This debt looks like it's from XX/XX/2012 and they have never contacted me at the address on file to make payment arrangements. For them now to try and garnish my wages for a debt that was never verified or validated is wrong. This should be a violation of the Fair Debt Collection Practices Act and I am not sure why this is allowed.
Product: Credit card

I was shocked when reviewing my credit report and found a late payment on the date below : XXXX  days late as of XX/XX/2024 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Debt collection

when I contacted United Debt Services, they explained to me that the contract is for 24 months, and the first three payments will be for services. After that my payments was XXXX to pay down debts. At the end of the contract an agent called me and said that I dont have enough money to pay my last credit card. So she told me in a nasty tone that I had to make 10 more payments of XXXX if I wanted to pay off my debt. I aceptted these terms. Five months after that I requested the summary of payments. And I told them that XXXX had offered 50 % off. They said they would call me later. And they said that had an offer to pay my credit card. I told them that I wanted to pay off at the moment because I had a hard time to get a job at a financial institution. But when I noticed that i paid over I called United Debt Services and I said I wo n't pay anymore because I considered that I paid already all and more. Now United Debt Services closed my account and sent to me a check for XXXX. My last credit card XXXX was supposed to pay XXXX according to them. Only I needed XXXX to clear the debt.
I appreciate if you can help me they appear to be trying to get more money from me.This is not what I contracted with them. They said that I need to read the contract.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> there was a hard inquiry placed on my TransUnion credit profile ; from XXXX XXXX. I have contacted both the creditor and TransUnion. The creditors stated that they do not have my information on file, so they can not provide me with a letter of deletion to provide to TransUnion. This inquiry is harming my credit profile. Furthermore, I requested that TransUnion place a fraud alert on my credit profile. 

Note : TransUnion has not helped me dispute any inquiries. Back in XXXX of this year ( date XXXX ) I requested for a dispute for the same creditor XXXX XXXX. TransUnion denied it and kept giving me the run around etc.
Product: Debt collection

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on. Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by { {$10000.00} } per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, my ex-husband and XXXX XXXX XXXX requested that I be removed from the deed to the home so he could qualify for the mortgage on his own after being awarded it in our divorce. I happily complied and was not privy to the new loan terms because my credit and income were not used to qualify. They changed the mortgage terms without my consent, wrote " N/A '' on the new note 's signature line for me, yet continue to report to credit to this day. It is illegal for a creditor to report a liability to one 's credit if their signature is absent and they have not agreed to new terms. I have since gained access to a copy of this new Note, which they do not admit exists when disputed with the credit reporting agencies. A contract can NOT be modified without all parties ' consent, and I would have NEVER agreed to the recitals, an increase of {$100000.00}, a deferment of {$240000.00}, or this balloon mortgage with a 50-year term. 

This reporting has caused significant credit score damage over the last ten years because of the high credit limit of XXXX ( original balance ) versus the now XXXX balance, late payments on my ex-husband 's mortgage, and, most recently, his preforeclosure proceeding. 

After XXXX serviced the loan in XXXX, it went to XXXX  XXXX XXXX for servicing, which began the preforeclosure process. I spent years disputing this account, and no one wanted to acknowledge the errors in that process and reporting regarding their inherited mortgage. 

It was service transferred to XXXX XXXX XXXX, and they have further damaged my credit and continue to report even after referencing the modified mortgage note with my missing signature. In fact, XXXX doesn't even claim they have a copy of the XXXX note, which only my ex signed, yet they are reporting the terms of it to my credit. 

Just recently, I received a call from XXXX  XXXX XXXX again regarding a loan that has some connection with that home and mortgage, and I am fearful again that this vicious cycle will continue. It is fraud to write " N/A '' in a live and well person 's signature line. That note should not have had my name listed if they were not in need of my signature, and it should certainly not be reporting to my credit with terms I did not contractually agree to. XXXX, XXXX  XXXX XXXX, and XXXX have ignored my requests to remove this from credit, and they have ignored the legalities behind reporting a liability that was not executed. I was not required to sign because I no longer had an interest in the property, and my credit and income were not used to qualify. THEN WHY IS IT BEING REPORTED AS MY LIABILITY???????
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I called XXXX concerned about an inaccurate account that I had already gotten removed. Account number # # # # # # # # # # # # # XXXX from receivable managements systems was reported on my consumer report on XX/XX/2022 after I had gotten it removed in XX/XX/2022 ; I did not receive any notification of the entry of this negative collection, any validation of debt, verification of debt from XXXX nor Receivable management Systems. While I was on the phone with an XXXX XXXX, I informed her that I already called Receivable Man Sys and requested verification of debt and Validation of debt I did NOT receive any information for either. I then asked her what information did XXXX obtain to verify the debt and the Rep aid she did not see anything there, even though the account has been disputed before and XXXX allegedly completed an investigation but does not have any documentation regarding the debt. XXXX and receivable management systems violated my consumer RIGHTS and I want the accounts removed to fine both parties {$1000.00} USD each for violations of my consumer rights, failing to protect me as a consumer.