23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My discover card ( XXXX ) was used fraudulently for XXXX years. This started in 2018. I didn't know it because I had stopped using the card and put it in my drawer. Then I receive a bill for non-payment. I called and explained this and they did nothing, and I received another non-payment bill. I called and got routed to the fraud department who did nothing. This scenario has been going on seems like forever. 
When I would call they would tell me I have to pay this bill, even though I was telling them it was not me making these charges. I repeated myself over and over a least XXXX times over the years. My credit rating went down causing me to get higher rates and pay more money unnecessarily. I was in the XXXX credit score and because of Discover card delinquency reports they charged me 9 % to buy my XXXX last year. 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 I am asking for financial compensation for this terrible harassment because now Discover card after all these years of harassment they sent me a letter stating that after their investigation they have determined that I AM NOT responsible for the balance and an update sent to the credit bureaus. But what about me and my pain and stress and XXXX XXXX XXXX  rising because they didn't do their jobs. I want financial compensation for my suffering.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX. Account number : XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. 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 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: Mortgage

I try to receive a payoff from US bank but they just provide me my morgue payoff, also I have a partial claim morgue. That need to be send from USBank to HUD and in this way XXXX can provide me a payoff for my partial claim morgue. I was trying to received any answer from Usbank for around 45 days because they never send the document and always when I call I receive a different answer ( I will call you back tomorrow, I will send the document this week ) in addition I spoke with a couple supervisor and the answer I received was nothing because when try reach then again they never are available for attending to me. I conclusion at this situation I never received any solution for my problem and for that reason I re-scheduled my closing day a couple a time and that cost me a lot of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer and my consumer rights are being violated pursuant to USC 1681 Fair Credit Reporting ACT. There are fraudulent accounts appearing on my credit file and I have filed an identity theft report with the Federal Trade Commission. Pursuant to 1681c-2 Block of information resulting from identity theft- I need the following accounts blocked and deleted from my credit file immediately and must be deleted with 4 days according to congress . These accounts may not appear on my file in the future because I do not give permission. 

The Following Accounts need to be deleted immediately : 1. XXXX XXXX Account Number XXXX-XXXXXXXXXXXXXX 2. XXXX XXXX Account Number XXXX 3. XXXX Account XXXX 4. XXXX XXXX Account Number- XXXX 5. XXXX XXXX Account Number- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some unusually high number credit inquiries on my credit profile on XX/XX/XXXX. I called all 3 credit bureaus ( XXXX, Transunion, and XXXX ) to ask for them to be removed from my profile because I did n't apply for credit or loans. I also wanted to add an extended fraud alert. I was given the option to add the fraud alert but any unknown inquiries that I wanted to have removed would have to be done by the lenders directly. This was extremely frustrating to me since I had no clue of where these came from. I then contacted the lenders onXX/XX/XXXX and have noticed no change and contacted the bureaus ( XXXX, Transunion, and XXXX ) again on XX/XX/XXXX but to no avail. Also, there are more inquiries as of XX/XX/XXXX on my profile. I will put the extended fraud alert on my account asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted Numerous request to TransUnion and requested the removal of unauthorized inquiries on my credit profile. TransUnion responded and only directed me to the meaning of inquiries. However, i have further stated before in a separate request to TransUnion that i did not authorize these inquiries. 

I am requested the removal of such inquiries that were not initiated by me. 

I HAVE ATTACHED THE PROOF FROM ONE OF THE BANKS STATING THAT THE INQUIRY SHOUDL BE DELETED AND THAT WAS WELL OVER THREE MONTHS
Product: Credit card

on XX/XX/XXXX I applied for a credit card through First Progress, I never received this card despite receiving an email that it was approved on XX/XX/XXXX I received an email that the First Progress credit card applied a payment to the account payment center - I do not have access to this credit card account as I've never received the card. This caused my credit to jump from XXXX to XXXX on XX/XX/XXXX I called First Progress ; the customer service line transferred me to the fraud department- they did not believe this report of fraud, it took at least 20 minutes to convince them that this was happening. They supposedly flagged it for fraud on the transactions and froze the account on XX/XX/XXXX I received an email that my credit has decreased significantly - from XXXX to XXXX on XX/XX/XXXX I called XXXX and they had a fraud alert attached to my accounts and advised me to called a credit bureau - I have an account with XXXX so I also called them on XX/XX/XXXX XXXX XXXXlagged my credit for fraud and advised sending in this fraud report
Product: Credit reporting or other personal consumer reports

This credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that I didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Debt collection

I received a letter from clear recovery creditor : XXXX XXXX, saying that I owe them an amount XXXX after I called XXXX XXXX  and reported faulty furniture that was broken and delivered to me requested pick up of furniture and a full refund. They sold the account to a third party and put it as a charge off on my credit report.
Product: Credit card

Request for Resolution Regarding Chase Bank Points Forfeiture Dear Chase Bank, I am writing to request assistance in resolving an issue regarding the forfeiture of approximately XXXX points on my Chase credit card.

Issue Details In XX/XX/year>, I discovered that my points had been forfeited. Upon visiting the bank to inquire, I was informed that on XX/XX/year>, a letter was sent to notify me that my points would expire unless I used my credit card ending in XXXX within 50 days, as it had not been used for more than six months. Since I did not respond, the points were forfeited. 

However, there are significant concerns I would like to address : I never received the notification letter. Chase Bank stated that the letter was sent and not returned, but I did not receive any such correspondence. 

Incorrect information provided by the bank representative : On XX/XX/year>, I visited Chase Bank to update my name on the credit card. During this visit, the representative informed me that I had approximately XXXX points and that I could redeem them. 
When I asked, " What happens if I don't redeem the points? '' the representative explicitly stated, " The points will never expire. '' Had the representative informed me that points could expire if the card was inactive for six months, I would have redeemed them immediately. 
Attempts to Resolve the Issue To resolve this matter, I met with Chase Bank representatives on three separate occasions and also submitted a written request to the Chase Escalation Team through a bank representative. However, I have received no response for over a month. 

P.S - " I am attaching the letter that Chase claims to have sent to me, which I received from a Chase employee. '' Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr Cooper, a financial institution mortgage servicer, has contracted a law firm to abuse a homeowner/borrower/debtor/plaintiff into submission and out of a good complaint where the financial institution is in receipt of homeowners funds, by mistake, in excess of what was accurately billed and had no good cause to retain. The outrageously false statements in Mr Cooper 's response to complaint XXXX, dated XXXX XXXX, is only one example. THIS IS A SERVICING RELATED ISSUE. 

Please see attachment exhibit b in complaint # XXXX. The XXXX XXXX XXXX  never returned a single call of the plaintiff or attempted contact by phone. The plaintiff has a record of numerous calls to the XXXX XXXX XXXX. There is no record of any calls from the XXXX area code to plaintiffs only contact phone number XXXX within the dates XX/XX/XXXX to XX/XX/XXXX. This is a requirement in California Civil Procedure designed to bring litigating parties to find resolution to a complaint and not burden the justice department 's resources. California Civil Procedure 430.41 ( a ) Before filing a demurrer pursuant to this chapter, the demurring party shall meet and confer in person or by telephone with the party who filed the pleading that is subject to demurrer for the purpose of determining whether an agreement can be reached that would resolve the objections to be raised in the demurrer. If an amended complaint, cross-complaint, or answer is filed, the responding party shall meet and confer again with the party who filed the amended pleading before filing a demurrer to the amended pleading. 

The XXXX XXXX  intentionally violates this procedure to inflect distress and frustrate the plaintiff/homeowners attempts to recover his funds. In addition, Mr Cooper 's reluctance to correct a Seterus problem is further frustrating the plaintiff 's recovery to harm in creditworthiness reflected through the CRAs. 

Please see Mr Coopers reporting of 60 days late in XX/XX/XXXX to XXXX   and other CRAs. Why is there no 30 day late reporting in XX/XX/XXXX? Mr Cooper is manipulating a Seterus problem and further frustrating plaintiff 's efforts in financial recovery and correcting wrong reporting by accruing additional wrong reporting. 

The plaintiff/homeowner has submitted payments through the Mr Cooper automated phone payment system in the past with the best results of accurate and timely receipt reporting. The plaintiff/homeowner does not want to mail any remittance that is constructively received within 30 days, but reported 60 days late by Mr Cooper. 

The homeowner/borrower continues to experience significant and material negative financial impact from this abusive conduct and has now suffered permanent financial impairment.
Product: Credit reporting, credit repair services, 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. 

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 have 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.

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: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Reinvestigation and Removal of Charge-Off Account XXXX XXXX XXXXXXXX Card services To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account XXXX XXXXXXXX I have received a XXXX form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) XXXX, a XXXX form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. Under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a XXXX form has been issued, the reporting of this charge-off is both inaccurate and misleading. I request that you conduct a reinvestigation of this matter under FCRA XXXX ( a ) ( XXXX ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA XXXX ( a ) ( XXXX ) ( A ). Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XXXX XXXX I purchase from XXXX XXXX, a 10kt Gold Hollow XXXX XXXX link Chain 20inches 5.5 mm yellow gold. On XXXX XXXX took the chain to a jeweler store to have it appraisal and make sure the 10kt gold chain is real the chain was gold plated. I had the chain finance through Acima Credit it cost me XXXX total cost from Acima Credit was {$1000.00}. I have paid Acima credit a cost of {$280.00}. I have contacted Amica Credit on XX/XX/2020 and requested to return the product the customer service representative stated they will be sending me a return label email as of today XXXX XXXX haven't receive the return label email. Also contact XXXX XXXX concerning the fake gold chain I purchase they didn't applied hang up.
Product: Consumer Loan

I moved from XXXX to XXXX switched my insurance and notified Wells Fargo of the new insurance information. Well Fargo neglected to update my current insurance information. Wells Fargo charged my loan for an insurance policy without contacting me. Once I realized what they did I contacted them and was told everything would be reversed. That was 4 months ago. They continue to hit me with late fees and finance charges. I even have a recorded conversation from XXXX/XXXX/XX/XX/2015 where she says she will reverse and nothing was done according to my XXXX statement
Product: Checking or savings account

I have resigned from XXXX and have asked to transfer my XXXX to my Thrift Savings Account. XXXX XXXX has contracted with a company called XXXX XXXX to execute this transfer but the company refuses to execute the transfer. I have tried calling and emailing but they dont seem to recognize XXXX as a legitimate financial institution. Please help.
Product: Debt or credit management

A credit card bill from XXXX was paid in XX/XX/XXXX with a money order from XXXX XXXX. I spoke to the collector who worked for XXXX and XX/XX/XXXX XX/XX/XXXX. He said he received the money order, and the collection process would be closed and canceled. The agent didn't close the account out correctly. The account was sold to collection companies through the years. When I gave a XXXX about my credit report because I needed a job a collection company called XXXX XXXX XXXX XXXX sent letters and called collecting on the same account from XXXX, I paid this collection company. I borrowed money from my son who was in college to pay {$590.00} to settle the account. This is a fraudulent Company. 
I have been harassed for almost 20 years about a paid account. Has been paid twice. I have spoken to the CFO of XXXXXX/XX/XXXX They know that this account has been paid but they sold it to a collection company and it account is continuing to make rounds. The debt is not listed on my credit report, yet it is still being used to make collections and harass me. I have filed several complaints with the FTC against a few different Collection Companies. yet it is XXXX and XXXXXX/XX/XXXX are threatening me with a lawsuit. I was told that the only way to stop this was to sue XXXX and XXXXXX/XX/XXXX for not correcting a problem their associate made. I was told as of XXXX XX/XX/XXXX that I would be sued for {$130.00}? dollars in a court of law. That I needed to get a lawyer to stop them or fight this in court. I believe I have Filed 6-8 complaints against different collection agencies. I have letters from the CFO of XXXXXX/XX/XXXXXXXX XXXX and the secretary of the new CFO XXXX. XXXX are saying that the account was sold and that they are no longer collecting on the account, yet every collection agency are saying that they are collecting for XXXX XX/XX/XXXX. I am TIRED I NEED HELP!! Please help me!!! XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, a financial institution and furnisher of information, along with XXXX AND TRANSUNION, consumer reporting agencies, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation P ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by XXXX XXXX, XXXX, AND TRANSUNION being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX, XXXX, AND TRANSUNION do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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. XXXX XXXX, XXXX, AND TRANSUNION are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. XXXX XXXX, XXXX, AND TRANSUNION have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Credit reporting or other personal consumer reports

The customer reporting agency, Equifax, I asked for correct verification Equifax does not tell me who or how was this account verified this account is not reporting the date of last payment. The date of last payment would be the date of the first delinquency. The date of the last payment is not showing or reporting, which makes this account inaccurately verified. The date of the last payment would be the date of 1st delinquency. This account was not verified. Actual proof of when the last payment is needed. Date of last payment received, form of the last payment was it by check or credit card, and time is needed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX 

DEBT IS XXXX  THIS COMPANY NEVER PROVIDED PROOF OF THIS AND ITS REPORTING ON MY CONSUMER REPORT AND I WOULD LIKE IT REMOVED FROM ALL CREDIT REPORTING AGENCY

UNDER THE ACT OF 15 USC 1692 SEC 809 (b)
Product: Debt collection

A XXXX XXXX collection appeared on my credit report, the account is in XXXX  and I have never lived in XXXX. I informed the collection agency and XXXX that I have never had a XXXX  account and it was fraudulent. Collection agency stated earlier this year they would remove the collection but have not. The account is fraudulent but no one is willing to investigate and the account remains on my credit report.