23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

DISCOVER BANK, a financial institution and furnisher of information, along with XXXX AND XXXX, 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 V ) 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 DISCOVER BANK, XXXX, AND XXXX 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. DISCOVER BANK, XXXX, AND XXXX 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. DISCOVER BANK, XXXX, AND XXXX 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}. DISCOVER BANK, XXXX, AND XXXX 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

could not get my credit report from Equifax on line, tried to call but no human being to answer the phone. 
Equifax has the right to report, but not the obligation to respond to customers!
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a debt or a contract with XXXX XXXX XXXX and they are reporting inaccurate information on my credit report on TRANSUNION. 

I dont give them permission to report this information and ask for an immediate removal
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 Convergent outsourcing collection added a derogatory mark on my credit report per Credit XXXX, XXXX, and XXXX. Upon further research, this account was transferred/sold to XXXX and I am no longer responsible for the account. Debtors Creditor did not verify this collection, Also there was NO form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its Mines. According to the FCRA Convergent Outsourcing collectionhas violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit card

I purchased XXXX pair of Boots in XXXX, and I sent them back before the XXXX weeks was out. They were too big. I order XXXX and they were too big. I called XXXX XXXX, the first time talked to a man, and he was so nasty, told me you order the boots, and you need to pay for them. I said I sent them back he said you lying give me your card number and pay for the items I said no. I hung up and talked to someone else and they said they received them, and they would fix my billing. Apolozied for the Man action. They never did I called back and talk to a survivor, and she said she straighten everything out she seen where I returned the XXXX boots. and she would send me a email. They would waive the late charges and the returned charges, which I never knew about. I never gotten a email. so, I called back still not fixed. I called on XX/XX/2024 and talked to the survivor and he said he seen the item returned and said they credited me first for the red boots and half on the Blue Boot which was {$89.00} dollars, and he would go in and fix it for me and waive the late fees and put my credit back my card. I called Comenity Bank because they have {$200.00} on my credit report and the first Lady was nasty talking, we only by what XXXX XXXX tell us I can do a dispute, but I can't tell you if they going to fix it. So, I call Comenity Bank again XX/XX/2024. said now I owe {$190.00} and now the Bank XX/XX/2024, I was asked if I purchased a XXXX item. I said No. I promise I have no Idea what XXXX XXXX and the Comenity Bank, is doing trying to get Money when I returned the XXXX items. I never purchased XXXX items. ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Phone Number XXXX
Product: Mortgage

We applied for Mortgage Assistance after our forebearance plan ended, due to us being able to both go back to work and afford the mortgage again. This was the only option we got from the bank was to file the Mortgage Assistance application and not just add the back to our loan and continue to pay what we could. Our first application was denied. We quickly sent in another application. From this application we were given verbal confirmation, with a confirmation code on XX/XX/2022. We were to start out mortgage payments in XXXX with the loan modification we had the confirmation number too. We made a payment in XX/XX/2022, a few days later we received a letter telling us our application was denied on XX/XX/2022. We called them right away and they let us know they put us into foreclosure, seeing as they denied our application. We asked the bank to appeal the decision and filed a XXXX complaint on XX/XX/XXXX and XX/XX/XXXX. The complaint and appeal were filed XX/XX/XXXX. We have since, started a new Application for Assistance on XX/XX/2022 and have yet to hear back from them if they need anymore information, but this is the third time we have filed for assistance with no reasoning as to why we are being denied, until we are already denied. We have been calling USBANK at least twice a week for the last 4 months, minus the month of XXXX ( since we had the confirmation of our loan medication ). XX/XX/2022 we received our complaint back, saying that they sent out a letter asking for additional information on XX/XX/XXXX, which we have stated on every phone call we had not received that document and no one called us asking for more information. We have had XXXX people at USBANK say they would send us that letter for the last month and we still have yet to receive that letter. That letter from XX/XX/XXXX was also supposed to be enclosed in the complaint packet, which it was not. We have applied and called and no one seems to want to work with us, we can afford to pay our mortgage again and are working effortlessly to make that happen with no help from USBANK on their end.
Product: Credit reporting

There was something strange on my credit report so I called to find out what it was. There was a XXXX XXXX account showing up. I thought it was closed. I called back later. They deleted it. It is suppose to be on there for ten years. No one speaks English. My report is different than what they are reporting to XXXX XXXX and XXXX XXXX XXXX. I do n't know understand why inquiries effect the score. I have XXXX showing up the twice the same day. TransUnion had no answer.
Product: Debt collection

This company refuses to be truthful about who they are and constantly goes under many different names. They will not disclose the correct company name when you call or give an address. 
I have repeatedly asked them to not call me at work, call my personal cell or family and friends but they do not listen. They make threats to my job and family that they are serving me paperwork for court hearing in XXXX XXXX and to avoid being ARRESTED they need to get my location immediately ( nothing has been filed with XXXX county ) They are calling me over 15 times a day from different numbers. 
I got so fed up with the calls, I started making payments to make them going away feeling like it would never end. The never sent over receipts or bills like promised, and they tried to pull out more than I had accepted. Within 1 hour of trying to take a payment and it not being accepted they were calling my employment yet again to try and threaten my arrest. I have disputed this to fraud to my bank and I have reported them to the XXXX XXXX XXXX, attorney general and now here. 
I have recorded phone calls, emails and voicemails of their tactics.
Product: Money transfer, virtual currency, or money service

In the year XXXX  my cashapp account was closed. I was not able to speak with anyone nor was I given an explanation why. I was receiving direct deposits from a previous employer and this caused a halt in receiving my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX violated my rights on XX/XX/2022. 

The viloated laws were 15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1692c
Product: Debt collection

Hello my name is XXXX XXXX XXXX. 

have a ZERO debt profile with a credit score of only XXXX. 
Jefferson Capital is the collection agency that are RELENTLESSLY trying to get over {$1800.00} from me for a XXXX bill or debt that is NOT mine. I have tried to no avail to get this company to remove this off of my credit reports. I have requested proof of debt, i have sent in faxes, nothing has worked, As stated above I have ZERO debt and this collection from Jefferson Capital is really a thorn. I take my credit very serious and this debt is causing GREAT HARM to mine and my XXXX year old daughters lives. She wants a puppy and I need space to pursue my art career. Neither can happpen with this collection on my record. I need and want badly for this debt to be fully removed from all three credit bureus so that we can continue our quest to be firs time homeowners here in this great state of Texas. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a secured credit card for {$3000.00} dollars and every time I used the card I made sure my payment were made on time through their online payment methods that were provided by the credit card company, however on three different occasions the credit card claim they did not receive the payment or didn't received it on time. After the third time the credit card company made the exact same mistake, I decided to close the secured account of {$3000.00} dollars and take my business else where. The credit card has since charged off the account with an outstanding balance of {$160.00} dollars which is completely not true and I have made several attempts to resolve this issue with the credit card company and through the credit bureaus to no avail. This is severely hurting my credit.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2022 I noticed that when I tried to transfer my mother-in-law {$35.00} for my monthly gym membership my Venmo account was locked. I reached out to Venmo on XX/XX/2022 to inquire about the " frozen account '' and see what I needed to do to resolve the issue. The first person I spoke with informed me that I should have received an email from a " specialist '' and that I needed to respond to that email with the required documents and information needed to have my account taken from a frozen status. I explained to the customer service agent, that I never received any emails from Venmo or a specialist, and even checked my junk mail in my email. Also, on the same phone call I confirmed my email address with Venmo to make sure they had the right one on file. 

A second phone call was placed to Venmo support in regards to the same issue, my account was still frozen five days later and the issue still has not been resolved. When I reached a customer service agent, I explained to him that previous issue I was having and went over with him what was told to me by the previous customer service agent. He then told me that I should still needed to look for that email and when that email arrives to respond to the email. 

on XX/XX/2022, I sent an email to Venmo Support outlining my ongoing issues and also requesting assistant from them on helping me get my account out of a frozen status. 

As of this filing, I still have not received an email from Venmo, Venmo Support, or a Venmo Specialist to correct my ongoing issue. My account as of XX/XX/2022 is still locked and I am still unable to use my Venmo account. 

Attached you will find email corespondent between myself and Venmo Support in regards the ongoing issue with my account still being frozen, even after their quoted time frame.
Product: Credit card

In early XXXX capital one card ending XXXX they would bill me over XXXX then I immediately pay them they would thereafter immediately bill me that same amount up to around XXXX over and were trying not to hurt my credit score but had to stop because I couldn't afford and they would not stop but started admitting they owed me close to XXXX. That whole time I'm telling them this has got to be illegal XXXX immigrant scam XXXX XXXX XXXX fake XXXX and XXXX again has gotten XXXX chase credit cards in my name ending XXXX, XXXX, XXXX and XXXX are handled by XXXX XXXX XXXX Ext. XXXX also from XXXX still claims unpaid. Capital one has an corrupt fraud department because there advocacy lady representative called me in early XXXX telling me they would send me a check on claim XXXX prior to XX/XX/XXXX and I were thereafter told by XXXX over the phone that not only was this identity theft with that card capital one ending XXXX but that also XXXX XXXX had stole my ssn number on the blackweb so I call back complaining that they had never told me that then got transfer to fraud and the guy said no payment could be issued untill they investigate and immediately stalled everything and sent a new claim no. XXXX all unpaid.
Product: Debt collection

XX/XX/2023 XXXX  {$4900.00} Contacted company for services provided not as advertised. Company made threatening remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to unfreeze my TransUnion credit. I went to their website. It would not let me log in on the six digit two factor authentifaction code. I called the customer service center and used the chat. They said I have to send in my drivers license ( or government issued id ) and a recent bill and maybe in four business days after receipt they might unfreeze my credit. I need a load today and my credit can not be verified. Their customer service offers no other alternatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX, and I am submitting this complaint myself without the involvement of any third party. Attached is a detailed letter outlining the fraudulent inquiries being reported on my credit report. 

The accounts listed in the attachment are all fraudulent inquiries. I have never had any transactions with the entities associated with these inquiries, and none of them have been verified.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 


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
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I was supposed to receive XXXX free miles from my XXXX Mileage Plan credit card. Bank of America ( BofA ) denied me from having these free miles because I did not spend over a thousand dollars within three months. I had spoke to different people from Bank of America within those months, and they had stated to me that I had spent over a thousand dollars. They also stated to me that they would look into my account to see about a line of credit increase, and they never did. Today I had employees and supervisors mock me on how I spoke. They tried to belittle me by yelling at me and stating that I need to do a better job of reading my contract. The last person that I spoke to laughed at me when I tried to explained to him the seriousness of this problem, and he would not hangup so I can use my phone. When I tried to talk to him he would not say anything but I can hear him breathing.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.
Product: Debt collection

This is the 2nd time this was submitted to the credit agencies. Last year it was a different collection agency and it was disputed and taken off my report. This was for an XXXX XXXX XXXX phone bill in Texas. This is not my bill but I dont know if its identity theft or mistaken identity
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting the following companies have violated my rights XXXX open : XX/XX/XXXX, XXXX XXXX XXXX open : XX/XX/XXXX XXXX XXXX XXXXXXXX open : XX/XX/XXXX, XXXX XXXX XXXX  XXXX open : XX/XX/XXXX, XXXX XXXX # XXXX open : XX/XX/XXXX, XXXX XXXX XXXXXXXX # XXXX open : XX/XX/XXXX, XXXX  # XXXX open:XXXX XXXX XXXX XXXX XXXX XXXX open : XX/XX/XXXX XXXX XXXX : date ( s ) - XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. 
15 u.s.c 1681 section 602 a state I have the rights to privacy 15u.s.c 1681 604 a. Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Mortgage

Wells Fargo foreclosed on my home. 
After Balloon loans Charged me for services I didnt request and denied my credit because I lived in a redline area.
Product: Debt collection

Never received a bill from XXXX XXXX XXXX of XXXX XXXX, CA, and without making reasonable attempts to contact me, XXXX XXXX XXXX passed the bill along to a debt collector, CMRE Financial Services Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these negative items from my report I have been disputing items off my report for a long time this is stopping me from getting my car and my home for my children which is very hard on me these items has no validity and have not been proven
Product: Credit reporting or other personal consumer reports

I am writing to formally request that Navy Federal Credit Union cease all communication with me regarding the account ( XXXX ), as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Under federal law, I have the right to request that you stop contacting me regarding any outstanding debt. This letter is not a refusal to pay any legitimate debt that may be due ; rather, it is a request to terminate all further communication. I ask that any future communication be in writing only, for documentation purposes. 

I am aware that under the Fair Credit Reporting Act ( FCRA ), I have the right to request that Navy Federal Credit Union cease all reporting to credit reporting agencies regarding my account. Upon receipt of this letter, any continued communication from your office, including any form of reporting to the credit bureaus, will be considered a violation of my rights under the FCRA. I also consider such action as harassment and reserve the right to seek remedies as allowed by law Please be advised that failure to comply with this request could be seen as a violation of my rights under the FDCPA. If you need to contact me for legal reasons or regarding specific details about this account, please do so in writing at the address provided above. 

Thank you for your prompt attention to this matter.