23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Victoria Secret XX/XX/XXXX and a New York and Company credit card account ( opened XX/XX/XXXX ) In XXXX of XXXX, a late fee was reported on my account on both credit cards for being late. I have never been late and I asked for these late payments to be removed from my credit reporting even though the accounts have been paid in full and closed. 

I have tried to dispute this from my XXXX, as well as sent a letters to both companies and lastly a letter to Comenity Bank but I have not been successful. My XXXX and XXXX shows I have never been late on this account, and I made that clear in my letter to XXXX as well as the company. I have not received any results from the letters I sent to the company over 60 days ago. My credit is important to me and I do not feel I should have to suffer from wrong reporting. I have sent multiple letters regarding this matter. This account has been closed since XX/XX/XXXX and paid in full. I take pride in making sure my accounts are made on time and I expect accurate reporting. This report is still affecting my credit and I would like both accounts be resolved as quickly as possible.
Product: Checking or savings account

Finally received a call from JP Morgan Chase to let me know that they received the check, funny they had not researched that prior to calling me and then researched while I was on the call prior to me saying anything with regard to the question. 

Additionally the Chase representative maintains and states for the XXXX time that XXXX will have to research my questions and get back to me with the answers yet they've sent me a check? $ XXXX in an envelope that did not require a signature???? 

No wonder CHASE has gained the reputation that it has!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX -- I receive an email telling me there 's a change in one of my lines of credit. I clicked on the linked provided, where it takes me to a page asking if you want to view single report, or a 3 bureau report. I clicked on 3 bureau, and it goes through the process of generating the report. It never notifies you of a charge. I 've never paid for a 3 bureau report before, and never had to. XXXX/XXXX/XXXX I see a charge of {$39.00} on the card on file. There use to be a step in viewing reports where they would notify you of a charge, but they have completely removed that step.Every few months I 've been able to get a 3 bureau report for not charge, so I did n't think anything of it while requesting. 

Their tactics are now fraudulent. 

I call in to the XXXX number for assistance in cancelling, and they walk you through a menu, you then get to one that says, " to cancel, log in to your Experian account, where cancelling is easy '' ( paraphrasing ). 

I log into my account, and under, " how to cancel '' section, it says to call a different number, XXXX, which takes me back to the same XXXX call tree. This time I select 'Billing ', and then it says, " your estimated call time is more than one hour ''. 

After doing some online searching, I find that this is the normal course of action. Nobody can cancel their subscription, and the banks wo n't block the charge. 

This may lead to a class action lawsuit for their fraudulent activities. I 'm only looking for a credit for the report, and to cancel my monthly subscription. If the CFPB can put a stop to their fraudulent behavior, that would be a beneficial outcome.
Product: Debt collection

I sent them a debt validation they cant validate the debt I asked them to removed it from my credit they did and I also ask them to stop any type of communication with me they agree to it. Now they contacted a third party another person about my debt they sent an email to someone that I know. And they also violated Many laws they just contact me again and even I told them to not contact me.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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
Product: Checking or savings account

In XXXX, XXXX someone hacked my XXXX XXXX account ( which I subsequently closed ) and somehow sent {$2000.00} of my money to themselves. I DID NOT AUTHORIZE this transaction. Reporting this to my bank, PNC, they refunded on a temporary basis, pending investigation. XXXX XXXX decided in the meantime that I was responsible for this clearly fraudulent transaction which was linked to my PNC Debit card. On XX/XX/XXXX, PNC, without ANY warning to me, withdrew the money they had initially refunded. They claim to have sent a letter explains this but I never received XXXX. 

A PNC XXXX at my branch ( XXXX XXXX XXXX XXXXXXXX where I've had a checking and savings account for XXXX  years ) somewhat bluntly informed me that there was no option for me to recover this money. I find it hard to believe they aren't somehow obliged to protect me from financial predators. Isn't there some sort of insurance that protects me from crimes like this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disputed a XXXX XXXX account ( # XXXX ) on my credit report twice with Equifax because its inaccurate. The account continues to report after the statue of limitation. Equifax insisted that the account is reporting correctly. I was advised by Equifax to contact XXXX XXXX  directly to resolve this problem. I 've attempted to dispute this account with XXXX. I spoke with a manager in the credit card department by the name of XXXX ID # XXXX onXX/XX/XXXXat XXXX and she stated the account has not been reported by XXXX XXXX since XX/XX/XXXX and that there was no information she could provide because the account has been past the statue of limitation. XXXX  advised me to dispute this issue with Equifax. In conclusion, I am stuck with no resolution. How is Equifax reporting this information accurately when the account holder can not be provided with any information? I requested proof of validation from Equifax and I 've yet to be provided with any documentation. I am requesting that this account is deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

On XX/XX/23, there were two charges made to my checking account with Ally Bank ending in XXXX that I never authorized. They were made through XXXX, which is a program I never used on my current phone and haven't had since before I changed my phone number. 

I reported the unauthorized transactions the same day, and was told I couldn't dispute them until they posted, so I disputed them on XX/XX/23 when they did. I wanted a new debit card issued and it took three different attempts before Ally actually delivered a new debit card to my door.

Ally refused to give me a provisional credit for the {$400.00} in unauthorized funds stolen from my account and sent me a letter claiming that I authorized the transactions.

This is not the first time I've had this type of problem with Ally. The account is a joint account and earlier this year, when my partner 's debit card was compromised, Ally took almost two months to refund us the money we lost.
Product: Mortgage

Upon turning over my mortgage from the originating bank to LoanCare, I advised and provided them with documents showing that the Homeowners and Property taxes had been paid, up front and in full. I asked that they remove the escrow whereas they provided me with steps that I needed to perform to begin the process. I followed their steps, providing them with their compliance and they still continued to collect escrow. Every one of the 32 phone calls leading up to this day, their agents gave me a textbook response that there is a cycle and it will be deleted within 5-7 business days. Well, I call every five-seven days and with each call they tell me it is in process and I continue to send to them copies of the paid taxes and Homeowners insurance for the years XXXX and XXXX. They leave me on hold in excess of 90 minutes, they bounce me from escrow to insurance and insurance to escrow. I have requested management and they will not escalate. No one is ever available and no one ever calls me back. Time was of the essence because I needed to make sure they are not paying out what has been paid and what do I receive in the mail, a notification that they have indeed paid out again. I have not received my monies that they collected for escrow even though I provided them with payment receipts. The insurance company even advised them personally on 4 occasions that they were in receipt of full payment for XXXX and XXXX. I want off of this merry-go-round and for someone to intervene so that the escrow is removed as I requested in excess of 32 phone conversations. They assured me it has been in process for the past year. This is unethical, I want my money returned and the escrow removed and they be accountable for this misjustice.
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C 1692c. Communication in connection with debt collection a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antemeridian and before 9 o'clock postmeridian, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) " Consumer '' defined For the purpose of this section, the term " consumer '' includes the consumer 's spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Debt collection

Never got a bill for this, I did get some automated call that a bill went to collection agency. I called XXXX XXXX XXXX XXXX and they said we should of not been billed. 

I spoke to XXXX at XXXX at XXXX - XXXX called XXXX and told them they could not be charging me for this. 

XXXX XXXX used Central States Recovery, Inc. to collect.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, XXXX and XXXX  are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX and Synchrony Bank are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, Synchrony Bank, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX  and Synchrony Bank are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

In XX/XX/XXXX, I closed all of my accounts with BBVA Compass,  including a credit card, checking, and savings accounts, thus completely terminating my relationship with the bank. Shortly thereafter, I received a service email pertaining to the credit card account that I had closed. I contacted the bank to confirm all my accounts were closed, and to ask why they were still sending me servicing communications. I was told all of my accounts were closed, and that I would not receive any more communication from the bank. On XX/XX/XXXX and XX/XX/XXXX, I again received servicing emails from the bank at this address XXXX. I can not opt-out of these emails because they are servicing communications that do not have the option to opt-out. Given that my relationship with the bank has been terminated for over 2 years, I think its inappropriate for them to retain my email address and continue to contact me regarding my closed accounts because this creates the perception that the accounts are still open.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE FAILED TO RE-INSERT MY ACCOUNTS BACK ON XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists These are the accounts I'm referring to XXXX XXXX account closed XX/XX/XXXX. XXXX XXXX XXXX account closed XX/XX/XXXX XXXX XXXX account closed XX/XX/XXXX XXXX XXXX  account closed XX/XX/XXXX XXXX XXXX XXXX XXXX account closed XX/XX/XXXXXXXX XXXX
Product: Debt collection

TO MRS BPO LLC. I HAVE AN UNKNOWN ACCOUNT REPORTING ON MY CONSUMER REPORT. THIS ACCOUNT IS INACCURATE, AND UNVERIFIED AND A VIOLATION OF THE FCRA AND THE FDCPA. I AM REQUESTING THAT THIS ALLEGED ACCOUNT BE IMMEDIATELY DELETED FROM MY CONSUMER REPORT OR I WILL SEEK REMEDY UNDER THE FDCPA AND SEEK FOR DAMAGES UNDER THE FCRA AS WELL FOR EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. UP TO {$1000.00} PER VIOLATION. I WILL BE START SEEKING FOR DAMAGES IN 7 DAYS IF THIS ACCOUNT IS STILL REPORTING ON MY CONSUMER REPORT. I WILL BE SEEKING DAMAGES FROM MRS BPO LLC BECAUSE YOUR COMPANY IS THE ONE REPORTING THE ACCOUNT. AGAIN YOU HAVE 7 DAYS FROM TOMMOROW XXXX.
Product: Credit card or prepaid card

I chatted online with a Capital One supervisor, XXXX, today X/X/2017 at XXXX 2 screen shots of this chat is attached To ask why I was charged interest on my last 2 statements ( XX/XX/XXXX& XX/XX/XXXX ) where I had paid more than the last statement balance due. 

His response is because I did not pay in full the last statement balance for XX/XX/XXXX which was due by closing of my billing cycle XX/XX/XXXX. This is correct due to the XX/XX/XXXX holiday, I was late & payment was made on XX/XX/XXXX. 

Therefore, it is their practice to then charge me interest for 2 consecutive months regardless of paying the total last statement balance both months because they removed the standard grace period. 

Is this legal, It does not seem fair or justified and confirmation would be greatly appreciated.
Product: Debt collection

We

received notice of collection dat ed XX/XX/XXXX. I called and spoke to a representative onXX/XX/XXXX. We do not dispute the debt but we do dispute the amount. I sent a letter via overnight delivery disputing that amount. I received a letter dated XX/XX/XXXX supposedly enclosing validation of the amount. However, there was no validation of the amount in dispute. I then attempted and left numerous voicemails for, the representative I had been speaking with. On XX/XX/XXXX I spoke with a different representative. I attempted to discuss with her the disputed amount. She refused.

She then proceeded to call me, my husband, my mothers-in-law and my husband 's employer approximately 10 times per day. I spoke with her again today, XX/XX/XXXX. 

She informed me that they have entered judgment against us ( without our knowledge ) and will be garnishing my husband 's wages. I sent a letter today via overnight, return-receipt, stating all future contact must be via mail. That all documentation must show that the amount is disputed and that we will be hiring legal counsel.
Product: Credit reporting or other personal consumer reports

information reporting to credit bureaus isnt mine and id like to have information removed
Product: Debt collection

Portfolio Recovery Associates, LLC has not provided validation of debt to date concerning the accounts held at their company in my name. They are reporting inaccurate information to three credit bureaus. They claim to have verified the debt however I have requested that they " validate '' the debt. Validating the debt is different. I have requested specific information. In addition, they are not licensed to collect debts in the State of Georgia.
Product: Mortgage

On XX/XX/XXXX, Loan Depot funded a new, cash out refinance loan On XX/XX/XXXXXXXX XXXX I made a payment on my new mortgage. This is reflected in the PDF titled " XXXXXXXX XXXX '' Some time after that payment, my loan number changed. I do not know when that happened. 

Now, the loan is not showing any payment made and says a payment due in a few days. Please see the PDF titled " Monthly Statement ''. 

I contacted Loan Depot. In a chat window, the support person claimed my previous loan number belonged to someone else. The Agent said he/she did not have access to a phone or email, so I could not send them the PDF file showing my payment.

The Agent ended the 45 minute chat by saying a supervisor would call me later. Given the very poor customer service and missing documentation during the loan process, I do not believe this will happen. For example, they never gave me an updated loan disclosure document I need my account to be credited as having made the payment on XX/XX/XXXX