23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Subject : Complaint Regarding FCRA and FDCPA Violations by XXXX XXXX I am writing to file a formal complaint against XXXX XXXX for multiple violations listed below of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Over the past several months, XXXX XXXX has repeatedly re-aged the account on my credit report, which has caused significant damage to my credit score. 

Details of Violations : XXXX. Re-aging of Account XXXX XXXX has continuously updated the dates on this account, making it appear as though these debt is more recent than they actually is. This practice is in direct violation of the FCRA, which prohibits the re-aging of debts to extend the reporting period. 
XXXX. XXXX XXXX ACCOUNT XXXX : XXXX a. STATUS DATE : CHARGED OFF XX/XX/year> STATUS DATE : XX/XX/year> LAST UPDATED DATE : N/A b. CHARGE OFF EACH MONTH XX/XX/XXXX XX/XX/year> - XXXX instances XXXX. Damage to Credit Score : Due to the repeated re-aging of these account, my credit score has been negatively impacted. This has resulted in higher interest rates on loans and credit cards, as well as difficulty in obtaining new credit. 

XXXX. Monthly Penalties : According to the FCRA, violations can result in penalties of up to {$1000.00} per month for each violation. Given that this has been occurring for several months per account, the total potential penalty could be {$9000.00}. 

XXXX. Continued Updates : Despite my repeated attempts to resolve this issue through my attorney with Synchrony Bank, the account continue to be updated monthly, further exacerbating the damage to my credit score.

Since these disputes have been ongoing through my attorney for over a year without corrections, the 30 day time frame is forfeit.

Supporting Documentation : Attached to this complaint are copies of my credit reports that support my claims : my attorney has been diligent in trying to get responses from them, sometimes to no avail.
Product: Mortgage

We have called Mortgage Solutions Financial too many times without receiving callbacks, and each call provided different information. The loan has been off our credit report for XXXX months, and according to Secretary of State records ( called XX/XX/year> ), there are no liens, nor have there been any foreclosures or pre-foreclosures. We are looking to get the deed solely in my husband 's and my names. The VA also intervened multiple times in the last year. 

I spoke with XXXX representatives at MSF last month. The first representative said the loan never transferred ; the second said it did ( same company, different address ). According to the XXXX XXXX XXXX, the same thing happened to another person the day before us, XX/XX/year>.
Product: Debt collection

In XXXX of 2013 I opened up a XXXX 's credit card, with a limit of {$300.00}. During the duration of the time I was suppose to get my actual credit card in the mail I made a change to the place of where I was living. Furthermore, I never received my XXXX XXXX credit card. I am under the impression someone opened my mail and used my credit card at XXXX 's because the debt shown on my credit report shows around {$600.00} dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Equifax is unlawfully breaking FCRA by not removing a collection off my account that I have disputed with them many times and I have asked for them to provide me evidence from this collection agency. The account is XXXX XXXX XXXX XXXX  # XXXX Equifax has failed to provide me evidence and in return come with verified without showing me evidence or telling me how they verified it. XXXX has removed this collection off my credit report. Please remove this collection off my credit report that I do not own or else I will have to file a lawsuit. Thank you in advance.
Product: Debt collection

I received a call from XXXX at XXXX am XXXX on XX/XX/2022 claiming to be Aargon Agency which is a debt collection agency trying to collect an unpaid debt for XXXX XXXX XXXX XXXX for services to the house XXXX XXXX XXXX, XXXX NV XXXX. This house was lived in by me and my ex-wife before we divorced but now she lives in it by herself. XXXX XXXX XXXX XXXX was the power company for XXXX decades ago but is now known as XXXX XXXXXXXX. The XXXX  XXXX account for this house was in my name during the marriage but is now in my ex-wife 's name. The person claimed I owed {$280.00} for services provided from XX/XX/2022 to XXXX. He knew the last XXXX of my SSN. He read off an account number and it was very close to my account number with XXXX  XXXX but not exact. I logged onto my XXXX  XXXX account and it said I owe nothing. My ex-wife also logged onto her account and she also owes nothing. The guy ( XXXX ) told me to go to this website : https : XXXX and to log on using XXXX and account number XXXX to see for myself.
Product: Credit card or prepaid card

On XX/XX/XXXX, I logged online to my American Express Blue Cash card, and there was an offer to the effect of " upgrade your blue cash card to preferred card and spend {$2000.00} in next three months and we will give you a {$250.00} statement credit ''. The upgrade has a {$95.00} annual membership fee. I responded to the offer on that day, and spent more than {$2000.00} within two months. 

But I did not see the {$250.00} statement credit. I then chatted online with an American Express customer service member and his supervisor to inquire about the credit. They told me that I had already been given the credit for the same offer in XXXX and was not eligible for the offer again. I counter argued, telling them that there was no way for me to know all the details. More importantly, American should not have made the offer to me the second time. Be that the case, we would not even have this conversation. I also told them that I had tried hard in order to meet the {$2000.00} spending requirements, for example, I used their card but not using credit cards from other issuers even though they offered % 5 cash back rewards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Your help would be very much appreciated. 


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 XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED 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

In XXXX of XXXX I received a call that my student loan account was past due {$200.00} and needed to be paid. I never received a phone call or email until after the account was past due. I called Fed loan services and explained this to them and I was told that they sent me a notice through their online portal. The problem with this is I didn't even know the portal existed so had no way of knowing my loans were due. Fed loan refused to change the late payment statuses on my accounts. I was also unaware that my student loan was not simply one account but multiple accounts from different loan years. Fed loan also did not defer my payments for the first six weeks of XXXX even though I am a current student. The problem with these late payments is that I was never properly informed they were due until it was to late. I am in the process of buying a house and now that Fed loan is reporting my accounts had late payments I can not get a housing loan with any late payments in the past twelve months. All because of me not being contacted until the payments were past due of {$200.00} I am being denied housing.
Product: Debt collection

The collection company never contacted me about this debt at all. When this charge was found after checking my credit report, I contacted the collection agency, but they refused to provide me any kind of documentation of the charge and the final amount needed to close the account. The charge is a rent property that I have never lived or even been to.
Product: Credit card or prepaid card

Made electronic payment from my XXXX XXXX XXXX to Citi Cards account. Citi has received payment, payment cleared my XXXX XXXX, but XXXX won't post payment for 2-3 days. This payment was originated on XX/XX/2022, cleared my XXXX XXXX on XX/XX/2022 and has yet to post to my Citi account. Previous payment ( electronic ) originated on XX/XX/2022 from same XXXXXXXX XXXX/same account credited to my Citi Card account XXXX XX/XX/2022.
Product: Money transfer, virtual currency, or money service

This is for Zelle. If you get a new phone and all of the mobile apps have to download again ( mine from XXXX ) then Zelle counts you as having a new account even if you have had one for many years. Zelle now wants you to wait 30 days. This is ridiculous when you have ongoing transfers nearly everyday. 

Zelles customer support refuses to talk with you which is another problem. They want you to call your bank when its not the banks policy nor nothing the bank can do about it nor can they even call Zelle themselves. 

Also I notice this issue has spun off Zelle scams on the internet which need to be taken down!!! See these fake websites where someone answers and wants you to install software on your phone do they have access to it. Please get this to the FBI!! 

XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

Got 5 fake pre approval letters from a company a specific lender and he gave us a pre approval letter for a state he isnt licensed in.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I have tried to dispute all of these accounts with XXXX XXXX XXXXXXXX XXXX  and have not had any success. 
They all need to be removed from all three credit bureaus ASAP I am now coming to you for help Please inform ASAP Thank you In accordance with The Fair Credit Reporting Act pconsumer rights to privacy and confidentiality under 15 USC 1681 Account Names XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX5 USC 1681 section 602a States I have the right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 c 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 7 years 15 USC 1681 s-2a1 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: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity thief..I have a police report to support my claim..there are inquiries on my report that are a result of identity thief..they are the following.. XXXX XXXX XX/XX/XXXX..XXXX XX/XX/XXXX..XXXX  XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX  XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX  XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX..XXXX  XX/XX/XXXX.. XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have written LEXIS NEXIS many times to request a simple security freeze on my account so that no third parties would be able to access my file. 

This is a basic right afforded to me under multiple federal laws. 

Yet each time I write to request a freeze, LEXIS NEXIS fails to place the requested security freeze on my account. 

Nothing has changed about my personal information. I have resided at the same address, where I own the house for 19 years. My address is the same. Phone number. Name. Email Address. Social security number. None of my personally identifying information has changed in the last 20 years. 

Yet LEXIS NEXIS has failed to place the security freeze on my credit report. 

Further, they have failed to answer my multiple letters demanding they supply me with specific reasons they have failed to address my concerns. My last letter to them ws dated XX/XX/2024. 

They are committing fraud and harming me by their deliberate failure to protect and enforce my rights.
Product: Mortgage

I contacted quickenloans about getting pre-qualified for an FHA Mortgage. The agent pulled my credit reports and said that while my credit score qualified me for a loan, they could not proceed because I have disputes on my credit report. It is my understanding that under CFPB regulations, credit can not be denied for " exercising in good faith a right under the Consumer Credit Protection Act ( such as disputing information in your credit report ). ''
Product: Debt collection

I am writing to complain about three financial institutions that conspiring to remove money from our checking account. These companies are XXXX XXXX XXXX XXXX, JP Morgan Chase, and XXXX XXXX. 
In XXXX of XXXX, we agreed to a debt reconsolidation for a credit card from Chase Bank. The card was in the name of XXXX XXXX XXXX. We agreed to pay {$400.00} a month to XXXX XXXX XXXX XXXX to pay off the balance on the card. We later found out that XXXX XXXX was an intermediary of some sort because their company appears on the endorsement side of the check. This transaction was completed for the months of XXXX, XXXX, and XXXX. Unfortunately, XXXX XXXX, who was earning the majority of the money in our household, was forced to resign her position as a XXXX XXXX. She started working again in XXXX. I called XXXX in early XXXX, asking them to stop the payments of the checks temporarily. We both agreed that once we were financially stable enough, we would resume payments. While there were other agents involved with these actions, the individual from XXXX who is in charge of the account is XXXX XXXX. 
On XXXX XXXX XXXX, we received notice of an overdraft from our checking account for {$400.00}. We discovered that XXXX began to make withdrawals from our account again. We never gave them permission to resume this action. As a result, our account over-drafted twice and we paid {$68.00} in overdraft fees. 
We have since written a letter to XXXX, XXXX formerly requesting them to cease withdrawing money from our account. I sent this letter directly to their email account and as a certified letter. We have also placed a XXXXtop Payment on all checks from XXXX XXXXXXXX XXXX. 
We consider XXXX XXXX XXXX XXXX to be primarily responsible for this issue. We are naming JP Morgan Chase because they advised us to use XXXX. We also name XXXX XXXX because their name appears on the endorsement side of the check and we were not aware they were involved in any of the transactions.
Product: Credit card

Discover Card announced the XXXX XXXX " promotion '' on XXXX XXXX 2015. The promotion promised " [ f ] rom XXXX XXXX, to the end of the year, cardmembers who pay with their Discover card using XXXX Pay will automatically earn an extra 10 % XXXX XXXX on up to {$10000.00} of in-store purchases. '' ( XXXX ) The details in their FAQ stated " Earn an extra 10 % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with Apple Pay now through XXXX/XXXX/15. No sign up needed. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within 2 billing periods. See Cashback Bonus Program Terms and Conditions for more information. " The " Cashback Bonus '' terms incorporated by reference are quite straightforward with few caveats and available at : XXXXThere were no additional terms or conditions specified in any public documentation for the offer. Discover confirmed via customer service channels that the promotion was valid for all in-store purchases and stacked with their existing " Double All Cash Back Your First Year '' promotion that promises all cashback bonuses doubled for 12 months ( with rewards posting in the XXXX or XXXX billing cycle ) making the total bonus XXXX %. 

On or around XXXX XXXX 2015, Discover unilaterally added a sentence to some ( but not all ) public-facing content about the promotion stating simply " Excludes gift cards. " I have made many purchases using my Discover card with XXXX XXXX, and received emails stating " We 're writing to let you know that your XXXX purchase on XXXX XXXX, 2015 for {$500.00} at XXXX XXXX 's, A XXXX included a gift card. The gift card portion of your purchase does not qualify for the XXXX % Cashback Bonus ( R ) promotion. '' and " If you disagree with our finding and contend that your purchase did not include a gift card or a portion of your purchase qualifies per the terms of the promotion, let us know with supporting documentation in the next 21 days. Documentation can include store receipts or invoices, but can not include your Discover card statement. " Nowhere in the original terms of the offer were gift cards excluded, and after the terms were modified ( which does not seem correct ), they did not say anything about requiring " documentation '' proving anything. To add insult to injury the transactions highlighted in the emails did not contain gift cards. When I asked Discover to honor the terms of their promotion, they refused and stated that I must provide receipts or authorize the merchant to provide receipts to them. Their request would constitute an invasion of privacy and they are still not honoring the terms of their promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX is trying to collect a debt that they can not validate as mine. They refuse to provide copies of original contract and bill outlining the alleged balance and are reporting the account as open when it is closed meaning inaccurate information to XXXX and XXXX. The credit amount owed is incorrect and has not been validated. I never signed a contract. They refuse to provide or show any proof of contract showing tht the debt was ever mine. Id like it to be removed from my credit reports and for the bureaus to delete this from my account
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 XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Untitled Account XXXX, Untitled Account XXXX, Untitled XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

Hello..so I signed up with a debt collector ( XXXX XXXX ) they ensured me that if I signed up with them for 3 years at a payment of XXXX $ per month..that they would take care of my 3 creditors ... I've made XXXX straight payments over XXXX dollars an my creditors are saying they haven't received any payments..I call XXXX  several times a day an they keep giving me the run around so I need to know what's my step..Thank you so much
Product: Credit card

I was granted credit by XXXX who operated XXXX which was taken over by Synchrony Bank. So I was granted credit based on my credit report at that time. Synchrony now lowered my credit limit substantially, stating as a reason information obtained on the credit report. I contested that as the information has not changed. The reasons Synchrony stated in their original letter where they lowered the credit limit are not valid. Those same issues were there when they originally granted the credit, and as an aside my credit payment history with them, and ALL creditors since then is perfect. so I contested their reasons for the reduction, and they wrote back, XXXX, and do not address the issue but use the same boilerplate language. When I wrote a XXXX time pointing out my protest even stronger, I get the same boilerplate response.They will not allow calls and no other way to discuss or resolve the issue. Obviously writing does not move the ball forward on this at all. They simply do not respond to my questions or inquiry at all. 
They keep stating they made their decision within the law .... But I contend the reasons they state are not valid, at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I went to XXXX XXXX  XXXX in hopes of purchasing a new car. I was told that I would get a monthly note at or around {$600.00}. This was before my credit was ran, but the salemans and his supervisor advised that no matter what I would get that note. 

After my credit was ran, I was advised that I would then have to pay at or around {$700.00}. I expressed my dissapointment because I had already advised that I was in process of getting a home. I went car shopping because my current car needed major repairs and I feared the repairs would not be worth the money. 

Also, I only agreed for two lenders to check my credit. To present, I have 7 hard inquiries that was by XXXX XXXX  XXXX. They had no right to send my information to multiple sources.