23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, at XXXXXXXX XXXX, I contacted Discover to inform them of my unemployment and inquire about possible payment plans, having missed the minimum payment due on XX/XX/XXXX of {$270.00}. The representative mentioned I did not have the Payment Protection Plan and offered to check for alternative plans. Before she could detail Discover 's repayment options, I interrupted to ask about the Payment Protection Program, its benefits, and why it wasn't offered to me initially when I received the card. She suggested transferring me to Customer Service for further information. 

Later that day, at XXXX XXXX, I called again, seeking transfer to Customer Service to learn more about the Payment Protection Plan, as the initial transfer was overlooked. The second representative indicated the program was no longer available but, upon my insistence, agreed to transfer me. After a hold, the same representative came back online and confirmed that the Payment Protection Program was indeed discontinued. 

I made a third call around XXXX XXXX  to the number provided online at XXXX, Payment Protection - Protect your Account | Discover Card for the Payment Protection Plan, seeking clarification on when and why the program was terminated. The representative informed me after a long hold that Discover had ceased the plan around fi

ve years prior, due to a business decision.

This series of inquiries stemmed from the initial call to Discover when interacting with the initial representative...

Payment Protection - Protect your Account | Discover Card online states that if you are a Discover card customer it is 'no fee ' to enroll in the Payment Protection Plan Program, so why could I not enroll since this is the first I am hearing about it? I also plan to report this concern to my local news stations.

This same concern may apply to my two other credit cards as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this item with XXXX and XXXX ( XXXX XXXX Bankruptcy reference # XXXX ) and in response they said they verified the item as accurate, stating that they have verified the information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to XXXX, XXXX or to any credit agencies for that matter : therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 day late payment on my account and i have paid the fee and my bill in full and they will not remove the late payment fee from my credit report. I have contacted khols department store on XX/XX/2019for a forgiveness and they failed to since i payed the fee i have never been late ever and the problem was that why i was late was i opted to paperless statements and i told them i never did so and if i did they still havnt sent my statement please forgive my error on my late payment
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Collection agency contacted me trying to collect debt on an account that is marked written off on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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
Product: Credit card

In Complaint XXXX and XXXX, Chase Card services can not produce a copy of a signed original contract for Chase Card XXXX along with the original terms and agreement. The account should be deleted since they can not fully validate the account. Chase Card XXXX according to Chase was an Internet contract, where are the original terms and agreement and the e-signature. where are the histories of the accounts and when they were sold and assumed by other companies along with the term and conditions, credit card agreements?
Product: Student loan

As stated previously, I have several applications showing processing. I received a letter I was in forbearance XXXX and a past due notice on XX/XX/24 and XX/XX/24. I have reached out a number of times for some clarity but have received no response. I have also reached out to federal student loan department, and they send a form letter to contact my loan servicer Mohela. I am afraid that this will go on my credit report before someone will help me get it straightened out.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$6700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Simm Associates is continuing to report a collection account in my XXXX report that has been recalled months ago by the original lender. They cant take payments or discuss the account I called and confirmed. However they are refusing to remove the entry on my XXXX  file so I am filing a complaint.
Product: Debt collection

I have been submitted disputes via XXXX and XXXX XXXX about TWO separate debt collection accounts from the debt collector LVNV FUNDING LLC that are the result of FRAUDULENT ACCOUNT OPENINGS AND CHARGES that I had no knowledge of whatsoever and are not my financial responsibility. For nearly two years they have been inappropriately lowering my credit score and I am exhausted from the wreckage of denials in their wake. The damage that these accounts have done to my credit score and subsequent attempts of attaining credit lines of my own has been unacceptable and frankly a constant slap in my face instead of the justice I deserve. I have suffered immeasurably from all the collateral damage of this fraud in my name through never ending denials and lack of opportunities.
Product: Checking or savings account

I received a debit card from Capital One. When I called Capital One to let them know I had not requested an account with them I was told that someone else had used my social security number. I told them I had my credit reports frozen due to previous fraud and was told they do not pull credit to open a bank account. I requested to have the account closed immediately. I received a letter from Capital One on XX/XX/22 informing me that they had closed the acct ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$2900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

in tolusions that belong to someone with same name but different DOB and address. One inclusion should have been removed due to fraud but still remains. The thomas agency still reports inclusions that belong to someone else and with same name but again different DOB and address and refuse to address. recently we recieved a report from XXXX  that still after months showed the fraud account and it should have been removed last year Both thomas agency and XXXX  have refused to correct their errors and we are talking from 6 months to 2 years. what can I do to fix this?
Product: Mortgage

Select Portfolio Processing has been requested to complete a subordination agreement by XXXX. The first request was made around XXXX XXXX. To date, XXXX XXXX, the request has not been completed, after almost 60 days. Additionally, there is no timeline for completion. I was told today that some requests take 6 months.
Product: Credit card

I have had my XXXX XXXX card since XXXX far as I could tell based on the statements available. We had a vet emergency back in XX/XX/year> which caused me to have to use the card to save my dog. I also had to take out cash- {$200.00} on XX/XX/XXXX, XXXX and since then, I am getting slammed with interest fees. I am being pounded by these interest rates and can't catch my breath. I read the terms and conditions and I am completely confused as to why I get interest charges on a cash advance of {$200.00}, which already had a {$10.00} fee attached. So since XXXX, I have paid about $ XXXX {$70.00} in interest and then plus a fee and then additional interest on purchases. I am literally paying all interest at this point of {$100.00} a month! It feels like double dipping to me and this company is not being transparent with terms and conditions. Even when I called-the rep couldnt tell me what federal regulations the double interest rates on purchases and cash advances was. It is just awful how this company takes advantage of hard working people and schemes them out of their money.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXXENHANCED RECOVERY CO L XXXX 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  ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX in the U.S. District Court for the XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXXBalance : {$0.00}
Product: Debt collection

I was never contacted about this debt, and I have just begun looking into my credit reports and this seems to be on it.
Product: Vehicle loan or lease

Filed 1st complaint ( XXXX ) on XX/XX/2023. 
Company FAILED TO COMPLY WITH FEDERAL LAW 15 USC 1666 AND FAILED TO provide me a written Notice acknowledging they received my Billing Error Notice.

They also FAILED TO COMPLY AND send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.

THESE R VIOLATIONS AND THEY ARE LIABLE TO ME DAMAGES ACCORDING TO LAW.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/2023 from TransUnion and noticed an account in collections that I didn't recognize. I was never contacted by this collection company, nor have I ever done business with this collection company. This has happened to my TransUnion account recently with another collection account that was mistakenly put on my report. I am giving notice that I am disputing the validity of this alleged debt XXXX XXXX account # XXXX.
Product: Debt collection

Paragon Revenue Group DBA Jon Barry & Associates , Inc. 
XXXX XXXX sent mail to my house asking for money this is a result of identity theft and mail Frauds. Elements of Mail Fraud 18 U.S. Code 1341 - Frauds and swindles intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer ... ... ... ... ... ... ... ... ... ..... I XXXX XXXX had NO transactions completed between me and Paragon Revenue Group DBA Jon Barry & Associates, Inc.I do not know them.
Product: Mortgage

Complaint # XXXX was CLOSED. It should NOT have been since this matter has NOT been resolved. Please see feedback submitted for the above mentioned Complaint number. Please, please, please get this resolved! This company has disregarded my requests since XX/XX/2018! Completely unprofessional service!
Product: Credit reporting, credit repair services, or other personal consumer reports

While validating an account this company sent me a letter saying that they simply saying they are not required to investigate because they did not receive sufficient information, which is false. I sent a letter with my information. While monitoring my credit report month-to-month I noticed this company did not submit the notice of dispute with XXXX but reported supposed for the month, which I know is a violation according to section 623.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Citibank promised a new account promotion for {$400.00}. It should reach to my account by XXXX. Please see attached letter sent by their research team. But the same money has not come to me yet. I did many follow up with their customer care but none of them are helping.
Product: Credit card or prepaid card

My account was closed because the company never applied to the payment I made months ago ... XXXX My limit was only XXXX and this payment was made back in XXXX ... ... ... then they send me out a letter and the account was already closed before the letter arrived to me ....
Product: Debt collection

I have been trying to resolve this matter with Enhance Recovery since XX/XX/2019, ERC has only provided a XXXX XXXX, I have disputed this account and asked for validation and this has not been provided. ERC has received serval attempts via certified mail about this matter, I have requested to provide me with the following : What the money ERC say I owe is for Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Contract signed by me to ERC about this debt Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service I want ERC to remove this collection account from my credit reports, do not sell or transfer to another collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

date : XX/XX/XXXX amount : {$89.00} Company : BARCLAYS reported the late fee payment on my credit report Action : I did not have the late payment to BARCLAYS as I did provide my credit card to their customer service to charge back within the timeline and received a confirmation code that had been paid during the phone call, however they could not locate the cost after that as they needed a debit card but not credit card, finally they reported the late payment without the communication with me first.

BARCLAYS had agreed to remove the late payment history from my account as I did pay timely after the communication. 

Please find a letter from BARCLAYS as attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've attempted to contact the reporting agency several times over the past year. XXXX XXXX XXXX has been incorrectly reporting a collection account and the agencies refuse to verify and validate the account.
Product: Credit card or prepaid card

Capital One Bank is violating 12 CFR 1026.13 ( d ) ( 1 ) and the Official Staff Interpretation in Comment 13 ( d ) ( 1 ) -3. The Bank posted TWO fraudulent charges to my account on XX/XX/XXXX & XX/XX/2019, totaling {$1500.00}. I reported the fraud on XX/XX/XXXX. Both merchants agreed it was fraud and that it was a mistake to charge my account because I was not their customer. Both merchants wrongfully used my credit card number that the same customer had orally given to them without the card or any identification. So there is no merchant dispute. On XX/XX/XXXX Capital One issued a periodic statement for the XX/XX/XXXX billing cycle that included BOTH fraudulent charged. By XX/XX/XXXX, Capital One had not removed the charges or issued a credit, so I mailed a written request. On XX/XX/XXXX, the Bank issued 2 credits in the same amount as the two fraudulent charges, but the original charged remained on my account. On XX/XX/XXXX, I had 2 conversations with 2 different Capital One employees -- and both of them said I am required to pay the fraudulent charges of {$1500.00} on the payment due date ( XX/XX/XXXX ) and if I fail to do so I will be charged interest on both the disputed charges and undisputed charges because there will be a balance due on the account. Their rationale was that I must pay them temporarily until the " Credits '' are applied in the NEXT billing cycle in XX/XX/XXXX. This violates TILA and Reg Z, 12 CFR 1026.13 ( d ) ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a thorough report. After doing that I still found inaccuracies on my report through my own thorough research. This is for XXXX XXXX. 

In 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX the amount of {$460.00} and XX/XX/XXXX the amount of {$220.00} there was 2 fraudulent accounts opened using my personal information with XX/XX/XXXXXX/XX/XXXX. on XX/XX/XXXX there was a auto loan for the amount {$15000.00} taking out with XXXX XX/XX/XXXXusing my personal information. on XX/XX/XXXX there was an account opened with merchant ad for the amount of {$1100.00} fraudulent using my personal information