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

XXXXXXXX XXXX XXXX  XXXX XXXX due to it's predatory lending practices have adversely affected me. 

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX 15 U.S.C. 1681 Section 602 A States that 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 an account without my written instructions. 

15 U.S.C. 1681C. ( A ) ( 5 ) Section States that no consumer agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Mortgage

I have just completed paying off a mortgage with CitiBank, I had automatic withdrawal for my payments with the last payment due XX/XX/XXXX and I owed a final, partial payment of {$430.00}. Instead, they withdrew the full {$980.00} minimum payment as well as the {$50.00} extra I had been paying monthly. I called them the XX/XX/XXXX and they claimed the refund was in the works. I called again XX/XX/XXXX and was told that that direct deposit to my XXXX XXXX checking account was not possible but they would expedite the check and it be created by XX/XX/XXXX. I was also told that it was routine for the entire last payment to be withdrawn 'in full ' even if less was actually owed. I have received formal notice that my account has been satisfied and a refund is due me. 
Since this is their normal procedure and the refunds are typically delayed a month, this seems like a nice money maker for CitiBank - they can use my money free-of-charge. I would go so far to say that this appears to be a calculated scam - taking more than is owed and then repaying the overage ( without interest ) with much foot-dragging.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 XXXX XXXX Accounts that were disputed multiple times and Epxerian did not research the information. They made no effort to research the validity of the accounts. And because of this, would jot remove them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have actively said, showed proof of fraud and identity theft by dark web of hard inquires on my 3 credit bureau 's along with one fraud account with XXXX and XXXX. I was notified and contact by my bank who were the ones that identified the situation and put it to a stop. The police on site said since their was no money physically taking which was a good thing their was no need for a police report or investigation. 

Before that I only check my credit report if i ever file for something or once every 2 to 3 years. For some reason the credit bureau 's are saying one thing compared to what the creditors are telling me. I need this fixed asap as this is the first time in 40yrs this has ever happened to me. 

I been following every steps that my banks and credit agencies have been telling me for 2 months now. As far as changing bank account numbers and all credit card and debit info, fraud alerts and identity theft reports. Please help as this is drastically effecting my great credit scores I first reported XX/XX/XXXX then on XX/XX/XXXX to all credit bureau 's. Please help me. as I have heard anything back. 

At this very moment my 5 inquires is insane as I usually do 1 every 2 years if that Original CFPB COMPLAINT # XXXX The unauthorized hard inquires are as followed 1.XXXX XXXX XXXX : 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXXXXXX XXXX XXXX 5. XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm responding to the verified no change letter you sent me for charge-off account. 

Creditor : XXXX XXXX  ( XXXX ) Account # : ( XXXX ) Reason for this Dispute : inaccurate I did what you told me to do to fix the problem, and the furnisher did not respond to me. You told me in your last letter to contact the company who placed this inaccurate charge-off account on my credit report and I did It's clear that the charge-off account is inaccurate because the creditor did not send any valid proof. If they can't prove that the account is accurate, they can't report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 



Thank you.
Product: Checking or savings account

On XX/XX/22 at around XXXX XXXX EST, so I was notified by Discover Bank that there was fraudulent activity on my bank accounts with them and that my accounts were suspended and to call to get straightened out. I called and was told that there was no fraudulent activity but that they decided to close my account due to a business decision made by the bank. My accounts are now locked and frozen and they are refusing to send my funds to me, holding for 60 days, so have left me penniless. They are refusing to tell me why they made this decision as well.
Product: Mortgage

My homes mortgage is behind and I have tried to contact the company, Mid American Mortgage every day for weeks now and I can not get anyone to contact me back. I have sat on hold for hours but never get through to a person. I just need someone to talk to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/15 I called my mortgage company to inquire about to steps I need to take to remove the PMI. The associate XXXX XXXX, XXXX # XXXX stated that he can help me with that and started gathering income and assets info from me and my wife. XXXX put me on hold to see what options he may be able to offer me. When he got back on the phone I asked him why he is gathering all that info just to remove PMI. He inform me that he was refinancing my mortgage. I informed XXXX that I was not trying to refinance my mortgage and that I specifically ask him about the PMI and that was all. Short after I ended the call with him I received an alert of a hard inquiry on my credit and my wife also had a hard inquiry. XXXX never talk to my wife and he never got an authorization to run her credit and refinance my loan.
Product: Credit reporting

I visited Experian 's website to obtain my credit report and I was charged {$1.00} on my credit card. Subsequently I was charged {$21.00} though I ordered nothing else. I called Experian and they said I ordered a broader service that included my XXXX score. I did not consciously order this service, and I never was presented with a cart containing this order with a button to submit the order. I also had the exact same experience with XXXX except I was charged {$19.00}. I have not been able to reach a live human at that company. I am an experienced internet shopper and I have never seen anything like this. Experian told me that I would have been charged {$21.00} every month unless I canceled, so they canceled " my order '' but refused a refund. I assume that XXXX has the same policy. I will try to contact them on Monday XX/XX/2017 when they are open.
Product: Debt collection

Midland Credit Management ( MCM ) contacted someone who lives in my house and asked if they were my spouse in an attempt to collect payment. I am not married nor have I ever been married. MCM shared with them information about my payments, total debt owed, among other information and tried to get this other person to make a payment on my debt.
Product: Credit card

Recieved approval letter from bank credit card Company called. XXXX credit ( INDIGO credit cards XX/XX/year> company request additional information for approval .a copy of Wisconsin drivers license .also letter with address lSubmitted the documents request ed .Notice on recording indigo machine XXXX states they are are a Collection Agency who trying to collect old delt i. Instead of a company trying to issue out credit. This company is COLLECTION agency trying to collect old dealt. Which misleading due I don't owe this company. Which l summits important information .then recieved Denial
Product: Vehicle loan or lease

XXXX XXXXXXXX broke the law today as in 15 U.S. Code 1662 - Advertising of downpayments and installments U.S. Code prev | next No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

Meaning they can not state that I have to put a downpayment on an automobile unless I usually and customarily arrange downpayments in this amount at this company. This is my first time ever contacting this company so that means they broke the rules.

I also inserted told them I wanted them to retract my application the guy told me I could not and hung up in my face. They were very rude to me today and they lied to me. I need the automobile for work purposes and now I cant get it is messing me up. They stated because of my credit score and I know thats not a factor at all because I dont customarily dont do downpayments with this company
Product: Credit card or prepaid card

US XXXX was supposed to send my unemployment debit card on XXXX. As of today, i have not received. I have called 35 times in the last month and after waiting over 2 hours each time, the call disconnects. I have written the Senator a week and a half ago with no response. I have 8 unemployment claims that have been approved by the state, i am unable to access funds due to no card!
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX XXXX I REQUEST YOU PROVIDE ME WITH PROOF OF THIS ACCOUNT BEING LATE. IF UNABLE TO PROVIDE OR LACKING PROOF OF THIS PAYMENT BEING LATE, PLEASE UPDATE PAYMENT HISTORY TO PAID AS AGREED NEVER LATE. PLEASE PROVIDE DETTAILED DESCIPTION OF ALL PROCEDURES USED IN YOUR PROCESS TO DETERMINE COMPLETE ACCURACY OF INFORMATION REPORTED. ALSO THIS ACCOUNT HAS NOT BEEN UPDATED IN OVER A YEAR
Product: Credit card

Ordered sunglasses from XXXX. Order # ID : XXXX. Sunglasses arrived with XXXX broken lens and my account was charged {$140.00} plus {$9.00} tax. 
I returned the glasses XXXX day after receiving package and was given a tax credit for the {$9.00}. The merchant charged me a restocking fee of {$140.00}. 
Now, I have no sunglasses and a credit card charge for {$140.00} that citi bank is requiring me to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

nationstar mr cooprt is way out of line with this reporting a missed payment from XX/XX/XXXX as late in XXXX XXXX XXXX XXXX and XXXX of XXXX almost 3 years kater my dates are off a little but 3 years is a lot to long to wait to report it late payment
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$4000.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XXXX  XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year>
Product: Debt collection

I checked my XXXX  and XXXX credit report last week and noticed a " Alleged debt '' had been added by a collection agency by the name of " Debt Recovery Solutions '' I was never sent a dunning letter about this debt which is a clear violation of the Fair Credit Reporting act. I can affirm that I have never received a dunning letter about this alleged debt. I demand for them to remove this account from my XXXX credit report immediately.
Product: Student loan

My student loans have become astronomical in the amount owed. My student loans are literally out of control. They have grown so large through fees and interest, I believe, that they are unmanageable. When opening our recent mortgage a lender commented that there was something wrong with the accrued balances on my loans, how they went from 125,000 to around 175,000 in a short time. I have been able to get the income driven payment option in the past but before the current Biden plan Navient was no longer allowing affordable payments even in the IDR. These loans have literally ruined my credit score. I am no longer able to apply for even a minimal credit card. My husband has to have all our loan needs in his name only. What would I do if I was not married? I would be totally screwed/stuck/without options. I pay ALL my bills on time and my credit is destroyed! How can this be? How is it that I owe this much money when my actual tuition/fees were far less than this balance? How is it legal to charge so much interest and fees that the student loan is like a car loan or house loan??? What is the difference for education or not when after getting a degree you can not get ahead because it ruins your credit! I asked Navient for an explanation of why my loans are so much larger now and they said they would get back to me and never did. There is no explanation from either servicer ever and no way to escape this destruction as student loans are untouchable by an legal means! A banker offered to look into it for me as even he was befuddled over the amount owed. It's insanity. I'll never escape it unless someone helps me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This letter is a formal complaint that XXXX XXXX XXXX XXXX is reporting inaccurate and incomplete credit information.. Credit reporting laws ensure that bureaus report on only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts posted on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. I called XXXX after being transferred four times because no one could find an account, I was transferred to a XXXX, who advised me that she couldnt pull up the account but put me on hold and advised me that the account was transferred to a debt collection agency by the name of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX, I was told that I needed to contact them to get a copy of this account. I spoke with a XXXX XXXX and advised her of the dispute that this account should be closed due to the merchandise was returned. XXXX XXXX advised me that she was showing an original balance of {$620.00}, I advised her that this is incorrect, the XXXX was returned and the amount was only {$390.00} plus prior to returning it I made a payment of {$30.00}. XXXX XXXX advised me that she was showing the amount was over {$620.00}, I requested that she send me a copy of the transactions. ( see attached documents ) She agreed, and I received the transaction showing incorrect dates, incorrect return dates and a credit for {$390.00}. I am showing a balance of {$440.00} and a lot of other charges which it doesnt list what it was for and showing a return date of XX/XX/XXXX which, it was incorrect, the correct month was in XX/XX/XXXX. I wasnt credited any finance charges from the sales, which I should have been credited, so it seems that XXXX was charging me late fees on their error. This should have been a XXXX balance. After going over the Transaction Summary, I called XXXX XXXX back and advised her that I received the transaction and that the information is incorrect. I advised her that I am showing a bunch of transactions on this account for only an XXXX ordered and the transactions do not have any descriptions. I was advised that I needed to contact XXXX and let them explain it, I advised her that XXXX advised me that they couldnt pull up the account after it is turned over to a collection agency and I needed to speak to the collection agency. XXXX XXXX advised me that she didnt know why they told me this because they have nothing to do with the product or the order summary. I advised XXXX with XXXX and kept asking him who TransUnion spoke with to verify this account because neither XXXX nor XXXX XXXX XXXX XXXX XXXX XXXX knows anything about this account, but I keep getting notices from the Credit Bureau that the creditor advised that the account is accurate and the account is still showing a charge off and I don't even have the merchandise.
Product: Credit card or prepaid card

My account was stolen on or around this XX/XX/2018 -current I have been reaching out to XXXX  to get this matter resolved there were foreign tranactions on my account that have not been refunded back to me that I didn't authorize I faxed and mailed all the documentation XXXX asked me to return yet each time I am on the phone with a customer service agent they say they either have the fax /mail or don't have it one rep said they had the documents and they are being reviewed the other rep said they didn't have the documents each time I call there is a different answer
Product: Payday loan, title loan, personal loan, or advance loan

This company has put a lien on XXXX XXXX  owned by a separate LLC for a personal consumer loan, this is prohibiting sale of the property, Aqua finance will not move forward to remove the lien. Multiple attempts have been made for phone conversation, Aqua is not cooperative in helping. This company has also put a lien  on personal property, which has no connection at all to the work done that was financed through Aqua. Multiple attempts have been made to communicate and have the lien removed, Aqua is not cooperative.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : # XXXX Account name : XXXX XXXX Account name : # XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX ALL HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received multiple calls from differing numbers. I called back  XXXX   XXXX    XXXX   and asked them to send their request in writing to the address they have on file and I would follow up after receiving it. The operator tried to bully me into giving my current home address over the phone and when I refused the fourth time, she said " well, I hope for your sake the address we have is the right one '' and hung up.     This morning I received a call from a different number. When I explained that I have already requested their claim in writing to the address on file, she said " that 's not how we do things, and when you feel like identifying yourself, call us back. '' The calls requiring I divulge private information ( including my social security number ) before providing enough information to verify the validity of the claim, especially when made repeatedly from differing phone numbers, and even more so after my request for proper verification, are harassment.
Product: Credit card or prepaid card

XXXX Re : Capital One Fraudulent Actions XXXX XXXX XXXX XXXX Products XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Acct # XXXX XXXX XXXX XXXX In XXXX of this year, I received a letter ( see attached ) from Capital One stating that according to federal law they needed additional information to prove my identity. As per the instructions, I faxed the completed form along with copies of my drivers license and passport. After a couple of weeks with no response from them, I phoned and asked the status of the review. After being placed on hold for a long time, I was told that the copies of my license and passport were not clear enough and that I needed to re-send them. So, thinking that the process of making copies and then faxing them XXXX have degraded the images, I printed copies and mailed them. After no response for several weeks, I called and asked the status. Again, I was placed on hold for a long time and then was told that the copies I mailed were not clear enough. Next, I mailed enlarged copies and verified that everything was legible. After several weeks and no response from Capital I called again. This time I was told the account was closed. 
Other than the letter I received in XXXX, I have not received any communications from Capital One regarding the status of my credit card account. I have an XXXX credit score. I pay my bills on time. There is no other reason for them to close my account other than to take my {$950.00} credit balance and my XXXX points that I earned. This whole scenario smacks of fraud. It is obvious that closing my account and keeping my points creates much quicker profit for them. Capital One can run their business any way they choose, and if they want to close my account, no problem. They should not be allowed to steal my money and earned points.