23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Sent numerous notarized interventions to this creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have yet to respond to this erroneous account with any validation and/ or removal of late payments from XXXX which are not validated. Filling a XXXX  complaint against this creditor as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT NUMEROUS LETTERS TO THE CREDIT REPORTING AGENCIES ASKING THEM TO REMOVE INQUIRIES THAT DO NOT BELONG TO ME AS WELL AS ACCOUNTS THAT DO NOT BELONG TO ME.

I AM A VICITIM OF IDENTITY THEFT AND I HAVE FILED TWO REPORTS WITH THE FTC AND THE CREDIT AGENCIES ARE NOT RESPONDING NOR REMOVING THE ITEMS FROM MY REPORT AS REQUESTED

I HAVE ALSO ASKED THE AGENCIES TO VALIDATE CERTAIN ACCOUNTS, WHICH THEY HAVE FAILED TO DO SO, I HAVE SENT NOT ONLY A 30 DAYS NOTICE BUT  60 DAY NOTICE OF INTENT TO FILE A COMPLAINT IF NON COMPLIANT

I HAVE SENT LETTERS TO ALL THREE CREDIT BERUEAS ON THE FOLLOWING DATES XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX& 1XX/XX/XXXX
FEDERAL LAW REQUIRES THE AGENCIES TO RESPOND WITHIN 30 DAYS, AND THEY HAVE YET TO RESPOND, BECAUSE OF THEIR FAILURE AND ACCORDING TO THE FEDERAL REGULATIONS THE CREDDIT REPORTING AEGENCIES SHALL BE INVESTIGATED BY THE Federal Trade Commission (see 15 USC 41, et seq.).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third letter I have sent to your company about unauthorized inquiries that have been made. and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports. These inquiries seem to be the result of several attempts to fraudulently open accounts. I have asked repeat to delete those inquiries. I did not initiate any of these inquires furthermore if you feel like I did please have the Transunion, XXXX and XXXX to delete them. As I plan on seeking civil liabilities if not removed ASAP.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. there is fraudulent addresses, and accounts and names on my credit report
Product: Vehicle loan or lease

Wells Fargo repossessed my auto on XX/XX/XXXX. On XX/XX/XXXX I was informed that if I paid WF {$4800.00}. On XX/XX/XXXX I paid WF by cashier 's check {$4800.00}. On XX/XX/XXXX I received WF letter stating that the loan had been satisfied in full and that Credit Bureau and everything should be settled in 1-3 months. At which time I expected to receive the title to my car from WF. WF never provided the auto title. WF sent me their Lien Release letter with Documentation dated XX/XX/XXXX, thus taking this matter into the covered penalty period for WF. They purposefully did not inform me that WF did not hold the title to my car at the time of repossession. And, by not providing my title, WF prevented me from being able to get a state title so I could sell the car. Lastly, WF purposefully waited until the statute of limitation for me to take action to recoup the {$4800.00} I paid them to get my car back before informing me that they did not hold my car title.
Product: Mortgage

Ocwen has made numerous mistakes, delay tacktics, postdating items I have sent in, and now decided to foreclose without any notice or proper advertisment of my foreclosure. On XXXX XXXX I received a letter from Ocwen stating that my loan had been postponed and that as of this date, no future date has been determined. I continued to sell my house and my house is due to close on a sale in XXXX days. I submitted this information to Ocwen on XXXX the XXXX. They wrote me on the XXXX that my home was being sold at auction Tomorrow XXXX XXXX. I supplied them with a copy of the letter and they wrote me back and stated they did not need to give any notice to sell the property. I was given no information of the sale, I asked for copies of proper advertisement and they did not provide it. I am beyond myself. I have filed several complaints about there actions which are currently under review. Alaska statute states they must properly advertise the sale prior to foreclosure for date and time. This has caused me extreme hardship. They stated they would postpone the foreclosure if I provided proof the loan would close on XXXX XXXX, which gives me XXXX business days notice to foreclosure. There letter clearly stated no new date had been set. I could have secured short term financing for the amount due but since the house has sold and they did not set a new foreclosure date, I opted to do the entire payoff. I also notified Ocwen they had made an error by not advertising the sale and not giving me notice and denied me the XXXX day delay until they formally respond. Now they tell my I have to submit any further correspondence with them in letter form to ensure delays in my correspondence instead of contacting them by email.
Product: Debt collection

At One Time I had XXXX Amex Cards, XXXX for my personal use and XXXX for Business, we had a dispute on the XXXX XXXX and Amex denied a charge from a Vendor that we later had to pay a 30 percent collection fee to Legal Counsel to recover the fund that Amex Should have reversed, they then shut the card off along with my personal card. I paid the business card off and paid monthly for the past couple of years on the Personal Account, they keep calling me when after XXXX written notifications to stop calling they did in clear violation of the law. I also attempted multiple times just to set up ACH with the Company but they keep refusing to do so, I pay off of paper invoices, so when a statement comes in, it is given to my accounting folks to pay online, since again we could not set up ACH, I just got XXXX 's statement in the mail, when I was alerted by XXXX on I logged into Amex portal and made the XXXX and XXXX payment online which would bring the balance to {$2400.00} which I then was told when I called into Amex the account had been assigned to XXXX XXXX  XXXX, I asked the man at Amex that they need to remove the late since they failed to give me the ability to ACH payments and I had not gotten a statement he agreed to it on a recorded line as of today it's still showing and has lowered my credit score by XXXX points and XXXX of my credit cards have now reduced my amounts of boring causing even more hardship in the matter. I then called the Zwicker firm, which they told me they could not discuss it, I then got a letter from them stating that they were trying to collect {$2600.00} and again the wrong amount, I will be disputing this with them today and advising them CFPB is involved in the matter and that the matter is in FULL dispute. I also have now been getting calls from other law firms it seems that AMEX and this XXXX firm has a track record of not being ethical and following the law which is very apparent in this matter. 
Also it was brought to my attention that I have been paying fees for " purchases '' even thought the card was shut down and " no purchases '' could be made, I have learned a lot of the tatic 's from the Lawyers that keep calling, to represent me in the matter.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

Chime In XXXX of XXXX  There was unauthorized and fraudulent charges on my account. I informed soon as I knew card was stolen, been over a year now, and as a victim of identity Theft and multitude of data breaches ( past XXXX trying to resolve ) chime refuses to REFUND my stolen money & deny every dispute as I'm still in with more charges not mine, they're not overdraft /theft covering us, as stated, they continue to allow I'm living proof,
Product: Credit reporting, credit repair services, or other personal consumer reports

A public record pertaining to a chapter XXXX bankruptcy filing on XX/XX/XXXX is listed on all three of my credit reports. On XX/XX/XXXX I mailed a certified letter with a copy of the letter I received from XXXX tx court stating they do not report to any credit agencies. I mailed it to XXXX experian and XXXX on XX/XX/XXXX I received letters back saying they would not remove the debt. This record is inaccurate amd XXXX court system did not reach out to credit agencies to put this on my credit report. This is violating my rights as a consumer.
Product: Credit reporting or other personal consumer reports

As of XX/XX/year> XXXX XXXX XXXX, XXXX, Tennessee shows up on addresses. I Do not live there. It is the Police Department. Infiniti Financial Services refused to take this off. 

. 
Or actually XXXX Police Department is showing as my address!
Product: Vehicle loan or lease

contacted exeter finance about the SCRA act of Louisiana and was never contacted back. The SCRA act of Louisiana states that XXXX XXXX military can not be charged over 6 % interests fees and my interest fees are still at XXXX. Section C of the below law 2011 Louisiana Laws Revised Statutes TITLE 29 Military, XXXX, and veteran 's affairs RS XXXX Limits on creditor interest rates Universal Citation : LA Rev XXXX XXXX XXXX. Limits on creditor interest rates A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding six percent per annum during the period that the person is XXXX on XXXX XXXX. 

B. Notwithstanding any provision of law to the contrary, interest or finance charges in excess of six percent per annum that otherwise would be incurred but for the prohibition in XXXX XXXX of this Section are forgiven. 

C. The amount of any periodic payment due from a person, or spouse of a person, who is on XXXX XXXX under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under Subsection B of this Section that is allocable to the period for which the periodic payment is made. 

D. In order for an obligation to be subject to the interest and finance charges limitation of this Section, the person, or spouse of the person on XXXX XXXX, shall provide the creditor with written notice and a copy of the military or gubernatorial orders calling the person to XXXX XXXX and of any orders further extending XXXX XXXX, not later than XXXX XXXX XXXX days after the date of the person 's termination of or release from XXXX XXXX. 

E. Upon receipt of the written notice and a copy of the orders referred to in Subsection D of this Section, the creditor shall treat the obligation in accordance with Subsection A of this Section, effective as of the date on which the person is on XXXX XXXX. 

F. A court may grant a creditor relief from the interest and finance charges limitation of this Section, if, in the opinion of the court, the ability of the person, or spouse of the person, on XXXX XXXX to pay interest or finance charges with respect to the obligation at a rate in excess of six percent per annum is not materially affected by reason of the person 's service on XXXX XXXX. 

Acts XXXX, No. XXXX, XXXX, eff. XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that the balance is incorrect and on a couple the limit is also wrong. I am tried to dispute and I get the company has not reported the updated information to them. The following are my accounts that are not updated : XXXX 's {$130.00} should be {$13.00} dates XX/XX/XXXX, XX/XX/XXXX & XXXX XXXX XXXX {$280.00} should be {$170.00} XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Capital One Silver {$980.00} should be {$710.00} XXXX & XX/XX/XXXX Capital One {$120.00} should be {$0.00} XXXX & XX/XX/XXXX XXXX XXXX {$120.00} should be {$55.00} XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I have called all the creditors and they keep saying the updated information is going to the credit bureaus monthly. Can you please help the matter? Thank you!
Product: Credit card

Subject : Complaint Regarding Misleading Information and Feeling Misled by XXXX XXXX Application Process - this offered was made base on my original current card # XXXX XXXX XXXX XXXX with a credit limit of {$300.00} dollars from a destinycard.com Dear to whom it may concern, I am writing to express my deep disappointment and frustration regarding my recent experience with the Milestone Mastercard application process. Upon receiving communication from your company indicating that I was eligible for a {$1000.00} limit Milestone Mastercard, I proceeded to apply with high hopes and expectations. 

However, upon completing the application and receiving the card, I was shocked and dismayed to discover that the credit limit provided was denied and lowered my credit I was working so hard to improve. I even called XXXX XXXX credit reporting agency to remove the freeze to allow for the processing of the application. This discrepancy has left me feeling misled, cheated, and as if I have fallen victim to a scam. 

The information provided during the application process led me to believe that I would be approved for a {$1000.00} credit limit, which was a significant factor in my decision to apply for the Milestone Mastercard. To discover that this was not the case after going through the entire application process has left me feeling deceived and betrayed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  pursuant to license from MasterCard international phone number XXXX. 

As a customer, I expect transparency and honesty from the companies with which I do business. The misleading information provided by your company has not only damaged my trust in your brand but has also resulted in a negative financial impact for me. 

I urge you to investigate this matter promptly and provide me with a satisfactory resolution. This may include honoring the originally promised credit limit, providing compensation for the inconvenience and disappointment caused, or taking steps to ensure that future communication with customers is clear, accurate, and transparent. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX - ( XXXX ) XXXX - XXXX - email : XXXX XXXX
Product: Debt collection

Recently signed up for  XXXX   XXXX   XXXX  around  XXXX    XXXX  . Upon the people at   XXXX   XXXX   XXXX   XXXX  checking out my debt at  Paragon  they was able to remove  one account from there records but not the other account. I received a letter from Paragon Collection Agency stating they are validating the debt by sending me a medical bill that does not show my actual signature on this bill that they submitted to an insurance company. This is not validation of the debt as it does not show a signature on this documentation that they provided but instead, it seems to violate HIPPA laws as they should have t his information.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Mortgage

I have tried doing refinancing with XXXX XXXX and got accepted with a XXXX month trial period on my mortgage. They excepted my money in for XXXX months then on the XXXX month they told me I didnt sign the paper work which they had no proof on that they sent me. My lawyers asked multiple times the company never replied back. They restarted the XXXX month trial period again raising the loan modification payments by {$150.00}. I said okay and then successfully paid the XXXX months again and on the fourth month they sent my certified check again and told me the same thing and increased the loan modification payment and started the XXXX month trial. They expected my month from XXXX of XXXX and ask of XX/XX/XXXX when I have sent them month each month until XXXX sent me my money after XXXX of XXXX and put my house up for foreclosure. I had to pay XXXX dollars to my lawyer to talk to them but they dont get back to our phone calls. I have never missed a payment with the loan modification nor being late. They didnt even inform me it was going to foreclosure until XX/XX/XXXX of XXXX when they were suppose to 30 days before. The foreclosure papers says XXXX XXXX but my loan is though NewRez. Please help!!!
Product: Credit card or prepaid card

My name is XXXX XXXX and I received an email about a card on the way in which I never signed up for. I believe this was a mistake or someone fraudulently opened an account under my name.
Product: Money transfer, virtual currency, or money service

Zelle via XXXX bank disclosure not properly in place. Misleading the public to think money is safe for transfers via the bank.
Product: Credit reporting or other personal consumer reports

Placed order with XXXX. Offered payment plan thru XXXX. Not given ANY details about return/refund policies. Received item. Returned item next day. Tried contacting XXXX & found out it was really XXXX. Spoke w/cs about return. Was told I had to make payments even if item returned. XXXX issued credit for return less {$480.00}. Requested help from XXXX XXXX XXXX over XXXX  times without reply. XXXX reported nonpayment to credit bureau Experian. Contacted Experian with details of purchase & return. Even though a credit of over {$4000.00}. issued, nonpayment of {$480.00} on credit report. Credit Score went from excellent to good. Made payment of {$480.00} ( even though it was not owed ) Negative credit report not corrected or updated. Paid {$480.00} for NOTHING & Credit Damaged with no options to get it corrected.
Product: Credit reporting or other personal consumer reports

I have a credit freeze on my credit report at Equifax. I should be able to manage my credit freeze online when I login to my account at my.Equifax. I can log into my account however, their website states We are temporarily unable to retrieve the status of your security freeze. Please try again later. For monthes I have not been able to manage my credit freeze online. I have phoned Equifax on XX/XX/year> and again on XX/XX/year>, both times the customer service representative said they would expedite the issue to the technology support group. They also said that they would contact me back but they never did contact me. 
In most cases, if you make the request online or by phone, the credit bureaus can lift a freeze in near real time. The Federal Trade Commission allows the bureaus up to one hour to complete an online or phone request, while requests by mail must be granted within three days after receipt. I have not been able to manage or temporarily left my credit freeze at Equifax online. For several months Equifax says We are temporarily unable to retrieve the status of your security freeze. Please try again later.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX accounts is violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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. Experian is reporting inaccurate, unverified, unvalidated XXXX accounts! Please see attached letter to add to my complaint.
Product: Credit card or prepaid card

Sometime last year, I had an issue with a Venmo transaction that was entirely my fault, but caused my account to be suspended. What happened was I transferred {$35.00} to another account and didn't realize that it was my own account because I forgot and I reported it. My account was immediately frozen and when I attempted to resolve the issue, I could no longer transfer money from my bank account into my Venmo account. Then in XXXX of this year, I legally changed my name for personal reasons, so I decided that since I couldn't fix the old account, I would attempt to create a new account under my new name. It seemed to work, but upon receiving my Venmo debit card, my account was immediately suspended. I have since sent numerous emails about the situation to Venmo 's support team and made numerous phone calls. Venmo has failed to unfreeze my account or allow me to add any bank account because my bank account is tied to the other account and my joint checking account with my husband is tied to his own Venmo account. This issue has been escelated numerous times and yet, I still can not use my Venmo account over a matter of {$35.00}, which I told them I would put back into my Venmo account if they would just allow me to add a bank account. I should not have to open a new bank account just to fix an error that Venmo created. It should absolutely not take more than a year to resolve any issue with a financial institution and Venmo customer service further refuses to allow me to talk to someone who can actually resolve the issue. Their customer support team has put me on hold more than once, often leaving me on hold for 45 minutes to an hour until I eventually hang up and call back in. The support team is rude and completely unhelpful and none of them can actually troubleshoot any issues. They are basically just reading from the same articles the help section on their app gives and not actually doing anything to provide any real support to their customers. Oh, and to top it off, they are still insisting on calling me by the wrong name, even though I submitted correct documentation for my name change.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well to start off I received a credit alert on my credit report and I took a look, and then noticed a collection account was added to my credit reports Transunion and XXXX in the amount of XXXX.The collection agency XXXX XXXX XXXX XXXX XXXX XXXX.I then reached out to the company to get more information on this account and to inform them this is not my account the representative ( XXXX ) then hangs up on me and someone else calls me back ( XXXX ) I inform her that I would like documentation on this account and I was put on hold several times, then I hang up call back and all of a sudden the number doesent work, a couple days go by and I start receiving a bill for the debt, whoever these people are have called my job several times as well as my home at XXXX at night.They ( XXXX ) have violated the FDCPA in many ways as well as Transunion and XXXX violating the FCRA for reporting such account with no payment history, missing or incomplete file.The same with other adverse collection accounts ive previously disputed such acccounts as Account resolution in the amount of XXXX with-Transunion/XXXX/XXXX. XXXX XXXX XXXX in the amount of XXXX with-Transunion/XXXX.XXXX XXXX in the amount of XXXX.with-Transunion/XXXX.These accounts are not mine and are being reported to all three CRA's.These companys have not issued me any documentation and have to collect debts from me that are not mine, and I demand removel of accounts per the FCRA.Ive finally managed to get an Attorney to help me through this process and will be taking further action in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the wrong amount reported on one of my accounts and one account that is not mine and one account that I was never late on