23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX XXXX XXXXXXXX, XXXX. is the XXXX XXXX for XXXX XXXX Services who allege that I owe them a debt. XXXX XXXX XXXX is the authorized agent who signed the XXXX XXXX XXXX  between XXXX XXXX XXXX XXXX, XXXX. and Discover Financial Services making her responsible for securities transactions made to Discover Financial Services. I tendered payment in the form of a Registered Security mailed Registered Mail to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, MN XXXX ( Executive address listed on the Form XXXX registered with the SEC ) along with fiduciary instructions to settle the alleged debt owed to Discover Financial Services XXXX This packet was mailed on XX/XX/year>. Registered mail # XXXX. 
It was delivered to the address above on XX/XX/year>. To this day, I have yet to receive a response from XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, nor Discover Financial Services in regards to my Registered Security. My account has not been credited in the amount of the security ( {$39000.00} ) nor has the security been properly dishonored and returned to me. So I'm not sure whether the Trustee performed her duties and Discover is choosing not to credit the account or if the security was just stolen because they think I don't know my rights and won't pursue this matter all the way to XXXX court. This constitutes mail and securities fraud. UCC 3-301, UCC 3-309 , UCC 3-409, UCC 3-603
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries on my account. Please see that following : XXXX XXXX, Inquiry Date XXXX XXXX  XXXX XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX XXXX  XXXX, Inquiry Date XXXX XXXX  XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX These were reported to Experian, XXXX  and XXXX. I have not gotten information back regarding my complaints. These items are still on my credit reports. 

Due to the inaccurate information reported by these companies, my credit has been severely damaged. I am requesting that this information be investigated and the findings corrected and or removed from my file.
Product: Credit reporting or other personal consumer reports

Dear Madam/Sir, I would like to address this concern to Transunion and XXXX 's agency for the second time because I needed this one remaining fraudulent account to be taken off of my credit report. I have already informed these agencies in my previous letter that someone has made a transaction with this account that made use of my identity to which I have no knowledge about. This was already reported back in XXXX  and I was expecting that this will be resolved immediately. 

XXXX XXXX XXXX -- -- -- -- -- -- Account # : XXXX XXXX has already DELETED this account from their record back in XXXX, and I trust that all consumer reporting agencies are only reporting to one furnisher of information. I dont understand the miscommunications and the disconnections here between them and the furnisher. Why has XXXX been able to deal with this matter yet these other 2 credit bureaus was not able to fulfill the duty to remove a fraud item? They just literally closed my filed complaint and XXXX just sent me their default system-generated result.
Product: Credit card or prepaid card

I have a credit of XXXX dollars and I called back in XXXX to have send me a new credit card due to lost well they sent me the same credita card and didnt mail me my credit money instead decided to give my money to another company. when I called they refuse to mail me the full amount of my credit which is XXXX dollars and they claim they will only send me XXXX and XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

The current balance on my student loans is reporting incorrectly as well as the Debt-to-Credit ratio is currently reported inaccurately. I wrote a letter to the Department of Education and Great Lakes, my loan servicer to update the record but it has not happened.
Product: Credit card

My complaint is of misleading tactics to charge higher interest on promotional interest balances before the end of the promotional period. 

My account had a promotional interest rate of 0 % that was set to expire on XX/XX/year>. The balance that promotional interest rate applied to was PAID ( payment posted to the account ) on XX/XX/year>. My XX/XX/year> statement then including interest charges totaling {$87.00} based on that promotional amount, despite the balance being paid before the expiration of the promotional period. 

I spoke with a Capital One representative on XX/XX/year> and they repeatedly stated that the company could average the balance for the billing period and charge interest on that, regardless of the fact that the balance was under a promotional percentage rate and paid off before the end of the promotional period. The representative confirmed that the promotional rate did not end until XX/XX/year> and that the promotional balance was paid in full on XX/XX/year>. 

When the representative refused to refund the interest charges to my account, I sent a written request for the same request to the company. The written request was mailed via XXXX on XX/XX/year> via certified mail. It arrived to the company on XX/XX/year>. I have received no response from the company in response to my written request.
Product: Credit card

I rented a minivan including XXXX insurance from XXXX XXXX XXXX Airport XX/XX/XXXX for 4 days ; the vehicle was flood-damaged during Hurricane XXXX while parked in a hotel parking lot where I was staying in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The local area was severely damaged and without communications, electricity/power, or water. All electronics in the car were inoperable and access could not be gained ( due to the car having only electronic locks and no key locks XXXX. With regional devastation from the hurricane, communications were not available and there was no means to contact XXXX or anyone else. After several days stranded at the hotel, I was able to get a ride to the airport for evacuation. On the way, we passed the XXXX rental car facility and noticed that it was badly damaged and appeared to have been abandoned. The first opportunity to contact XXXX was made upon my return XXXX XX/XX/XXXX through their contact page on their website. I also contacted Chase to notify them of the situation and requested closure of my account to avoid unauthorized charges. Chase informed me that even if the account was closed, the charges would still come through. 
No responses were received XXXX until XXXX separate charges were posted on my Chase Freedom Visa card XX/XX/XXXX totaling {$9700.00} plus XXXX XXXX transaction fees totaling {$290.00}. I contacted Chase multiple times to dispute the charges through several rounds of disputes, insisting that specific documentation was needed as to why the XXXX insurance was not being accepted and why I was not being provided an itemized list of the charges. I also filed an insurance claim with Chase that they also rejected claiming that it was voided by the XXXX insurance that I purchased which I informed Chase that XXXX informed me was required by XXXX law ( so there was no option for me to decline the XXXX insurance at the point of rental ). Chase is unresponsive to this information. XXXX has consistently been unresponsive and inaccessible through their various XXXX numbers and refusal to provide contact names, direct phone numbers and/or emails. 
Chase 's multiple investigations yielded a copy of my original rental agreement and what I believe is a fraudulent charge for damages, with the charge being entered into a blank Chase card imprint that XXXX also required me to leave with them at the time of the rental. I continued to insist that Chase provide specific documentation re. the insurance and charges but Chase has not been responsive and has since claimed that the charges are valid despite my protest.
Product: Credit card

Been receiving late fees from CITI due to no fault of my own. 
CITI has refused to settle this issue and/or repair their web page, never replied to the online messages i sent and/or responded to me from their service reps submitting trouble tickets for me.
Product: Mortgage

Received foreclosure letter for foreclosure sale XX/XX/year>. I have not received acceleration of the debt letter or letter to validate the debt form mortgage servicer Wells Fargo or the foreclosure attorney. Wells Fargo is my mortgage servicer. Requested mortgage assistance by email to Wells Fargo I sent my financial information ant the application for assistance. Did not receive denial for mortgage assistance. XXXX Foreclosure letter form attorney the week of XXXX XXXX, XXXX  this was not 30 days as the state requires for a foreclosure notice.
Product: Credit card

I 100 % returned an item and confirmed receipt with a representative. I then received an email that the package was the wrong weight and they would not refund me. I explained I did not use the original packing but reiterated that all four curtain panels were returned. I have requested a phone call but they have not responded.
Product: Debt collection

Dispute Center Let 's get started by taking a look at your report. 
Completed Disputes XX/XX/XXXX Phoenix financial serv XX/XX/XXXX Phoenix financial serv XX/XX/XXXX DISPUTE CENTER Report Number XXXX Date Generated XX/XX/XXXX PHOENIX FINANCIAL SERV Account XXXX Updated Information on this item has been updated Submit a new dispute with additional relevant information to XXXX at XXXX XXXX XXXX, XXXX XXXX TX XXXX. 
File a Complaint You may file a complaint about XXXX or the company reporting the item, with the Consumer Financial Protection Bureau or your State Attorney General 's office. You may submit a compliant to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or by mail at Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX IA XXXX XXXX 
Dispute With Other Bureaus There are 3 credit bureaus that report your credit information : XXXX, XXXX, and XXXX. You should check all three credit reports to be sure that the information in each is complete and accurate. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Disputes on XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Disputes on XXXX Our specialists are available to assist you : Mon - Fri : XXXX to XXXX XXXX Contact us : ( XXXX ) XXXX Report Number XXXX Date Generated XX/XX/XXXX Before After PHOENIX FINANCIAL SERV Your information may have changed since XX/XX/XXXX Account info Account name PHOENIX FINANCIAL SERVIC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$730.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$730.00} Balance updated XX/XX/XXXX Original balance {$730.00} On record until XX/XX/XXXX Payment history XXXX Collection as of XX/XX/XXXX, XX/XX/XXXX Historical info Original creditor XXXX XXXX XXXX Balance history XX/XX/XXXX Amount of this account was {$730.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Your statement Y ITEM DISPUTED BY CONSUMER Comment : Current : I have never received a billing statement from these companies. I do not know about this debt. 

Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Vehicle loan or lease

vehicle loan charged off -car was totaled and placed with the city -had 4 payments left on it -was not told that my car had been totaled. Received a certified letter from city regarding having my car. Amount about XXXX at least with late fees included
Product: Credit card

This is a follow up to my previous complaint XXXX, about my Care Credit Account. I have sent Synchrony Bank the requested evidence of the charge, the date of the charge, the fact it was purchased using the Promo Code XXXX, for 24 months 0 % APR financing, and they STILL continue to not correct this issue. As I stated to them, payment will not be made until this is corrected as they illegally changed the purchase from 24 months to 6 months without my consent. I have confirmation of the fax being sent and being successful, yet still the purchase, interest, and other fees have not been corrected on this matter.
Product: Credit reporting or other personal consumer reports

I would like to advise I am an XXXX XXXX XXXX XXXX and also part of the XXXX XXXX XXXX I intend on pre-arbitration and suing each entity for failure to remove any items and make the necessary changes. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 602 states I have the right to privacy ( 15 USC 1681 ( section 604 and section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose. 

The following accounts listed need to be corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________________________________ The following accounts were opened from identity fraud i demand immediate removal and current and all future blocks. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX The following accounts are fraudulent I have never had any business with this company i have submitted the FTC affidavit here before and you failed to remove these accounts with that being said i am prepared to take legal action if these accounts are not removed 1. The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original document and wet signature if you can't provide these items Delete them.

I have attached my FTC report for your review.
Product: Credit reporting or other personal consumer reports

I disputed this fraudulent account on my credit as never had XXXX XXXX XXXX. I did everything filed police report ( gave copy ), gave copy of my drivers license proving my address where no XXXX XXXX XXXX goods were sent & also provided official letter from XXXX  XXXX  confirming my address since XX/XX/year>. Experian refuses to remove.. there is no way they worked this dispute as would have seen it was fraudulent account sent to someone somewhere else. Not me
Product: Debt collection

To describe what happened I'd like to start by explaining that the debts were originally owned by " XXXX XXXX XXXX XXXX '', " XXXX XXXX '', and " XXXX XXXX ''. I'm not sure when those debts were purchased by " Professional Adjustment Corporation '', but I also didn't receive notice rather I identified negative reporting connected to my sole proprietorship on my " XXXX '', " XXXX '', and " XXXX '' accounts. I was discriminated against by XXXX XXXX who I was told was assigned to my account. I reached out to the company via email on XX/XX/XXXX @ XX/XX/XXXXEST after our initial contact to create a level of understanding, but it felt from the way XXXX spoke to me during our second conversation that my wants and needs were disregarded specifically their role in our relationship. I contacted the company a second time and did inform them of the discrimination and that I will file legal action.
Product: Mortgage

The property that I reside at I have been in foreclosure for some time now, this all began back when XXXX XXXX XXXX owned my mortgage and I had a line of credit attached as well. Things in my house hold got complicated when my partner had health issues and was unable to work. Back then I put in for a loan modification and was going through the process and XXXX XXXX XXXX sold my mortgage to another Mortgage Company. The mortgage company I believe was XXXXXXXX XXXX at the time, since then it has been taking over once again by Fay Servicing which has been next to impossible to deal with. I never was contacted from them up until the time when I received a certified letter on a auction date of my house. I went online to their web page and looked at my account and the personal information they had was incorrect and they had a do not call applied to my account for some reason. At this time I reached out to Fay and gave them my correct information and made it clear that I had funds and I wanted to work with them to straighten out my mortgage. They continued pressing with foreclosure with an auction date scheduled and I was unable to get written documentation from them as to pull the money out of a 401k account that I have. Last minute I was forced to go hire an attorney in file for bankruptcy to postpone the auction in order to give me enough time to get proper documentation to pull out a hardship against my 401k. Without receiving documentation I received another letter of foreclosure for auction date slated XX/XX/XXXX, once again as in many times I called Fay Servicing for information on my mortgage and documention of amount due. I did not receive documentation 4 weeks until I finally received it and sent in my application to my 401k company. The paperwork got tied up with my 401 and was waiting on electronic transfers for money into my account to be able to bring my mortgage up-to-date. Called Fay services as well as faxed over all documentation I had of guaranteed funds and they refused to cancel auction in allow me the opportunity to bring my account to date or pay off Mortgage in full, was told that they refuse to cancel auction and are pressing forward with foreclosure which did happen. At the auction no certified bidders were present other than myself and was told it would go back to Fay services which I could deal with and try to resolve this issue once again. I have reached out to Fay services since XX/XX/XXXX to date calling them more than 50 times without a return phone call or information of how I can Rectify this issue, I have even reached out to CEO of company as well as VP 's with no return phone call no answers and have been left in the dark. I have spoken to the property management company XXXXXXXX XXXX XXXX XXXX and he has informed me that Fay Services Under no circumstances will sell me the house or the tenant that resides in the house. I have never dealt with a company that worked in these  kind of strong-arm tactics that seems very unprofessional and illegal. Now I'm concerned with a sheriff showing up at my door throwing me out of my house that I want to purchase.
Product: Money transfer, virtual currency, or money service

Pretty much over the past couple years, I tried to get my money back that they owed me for fraud and for unauthorized transactions, they would freeze my account. Say theyre sending me a new card and then never get back to me about the investigation and then when I would ask them, it would be weeks later and then they would give me an excuse and say they couldnt give the money back or they would just ignore me. Customer service pretty much doesnt even exist. Its nothing but answering machines pretty much. The first incident was in XXXX I had bought XXXX of XXXX XX/XX/XXXX and immediately after it was taken so then I bought {$250.00} more of XXXX and it was taken again so then I emailed them and we see how that went over so I stopped using it for a while because my account was stolen so in XXXX last year someone takes the account and takes {$400.00} out of me and my wifes bank account and spend it. I get in touch with them again no response XXXX only knows how much that bitcoin is worth now.my documents arent available for some reason but Ill send screenshots. They have phone calls and emails from my account.
Product: Credit reporting

I applied for a car loan with XXXX credit company an received finicancing an was told my credit was ran only with XXXX but later found out that my credit had been ran XXXX times an cause me to loose XXXX points on my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account/Reference # XXXX, XXXX XXXX Account/Reference # XXXX, XXXX XXXX Account/Reference # XXXX, XXXX XXXX XXXX Account/Reference # XXXX XXXX XXXX XXXX XXXX Account/Reference # XXXX, XXXX XXXX XXXX Account/Reference # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX  Account/Reference # XXXX, XXXX XXXX XXXX Account/Reference # 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 reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that the agencies didn't make sure it was 100 percent correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 percent accurate on my credit report and Under U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 percent accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps the agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Product: Debt collection

The Complaint that I have is with Bank of America over the last 5 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with Bank Of America I have not received anything that I requested and it still listed on my credit report from all three of the Credit Reporting Agencies. They also to not show on my report the I dispute this account and this is all in volition of Fair Debt Collection Practices Act.