23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Since XX/XX/year> Ive been having issues trying to make a payment to my Discover card through my bank checking account. I have used this method as a form of payment to them and all of my credit cards for years now with no issues. But when I tried to make my payment to Discover back in XXXX they said the bank said there was not enough funds and so it was rejected. I called my bank and they confirmed that Discover never tried to take payment and that my balance had more than enough to cover my payment to them. I then called Discover back which took me days as I was constantly pushed around their customer service universe from XXXX XXXX  world country to the other. Finally, I spoke to a rep again and they said my checking account could no longer be used to make payments to my Discover card and could not give me a real reason. When I asked How am I suppose to make a payment? He suggested I send a check which Im not able to do with my bank. I explained this to the rep and he told me He didnt know how else to pay it? So then I told him I wanted to close my account cause I was done with Discover. He closed my account, and Im still unable to make the payment to Discover, and now they are charging me late fees and interest, etc. I also recently received a letter from Discover that I was no longer allowed to use their customer service as they said I was rude to their customer service agent. Honestly, I was rude cause this whole this is ridiculous! Ive been a customer of theres for XXXX years, and have never missed a payment. Their customer service is XXXX foreign guy after the other and no one for weeks will give me answers on how to solve the minor problem of simply being able to pay my bill! I dont know what else to do? I have money and would like to simply pay my bill.
Product: Prepaid card

I have a {$90.00} XXXX XXXX XXXX XXXX debit card from XXXX that expired in XX/XX/year>. I live in California and my understanding is that the funds can not expire. I called the phone number on the card, XXXX, to request a replacement card with a new expiration date and was told all of the funds are gone.
Product: Debt collection

My name is XXXX XXXX I received email below about an account that was open back in XXXX per Rep. I inform her I never open this account and someone stole my identity, there was a fraud alert added to my credit b/c of it she stated I had to send my info her. 


NCA Account # : XXXX Original Creditor : XXXX Current Creditor : XXXX XXXX  XXXX Original Account # : XXXX Dear XXXX, We are pleased to extend you discounted offers to resolve the remaining balance on your account! Contact us for assistance on a plan that works for you. 


Here are your available options : Option XXXX Option XXXX Option XXXX Build Your Own ( Full Balance = {$1500.00} ) Save {$770.00} Save {$460.00} Save {$150.00} No savings, but Pay only {$770.00} if payment is received by XX/XX/XXXX. Pay {$360.00} monthly for XXXX months if first payment is received by XX/XX/XXXX. Pay {$110.00} monthly for 12 months if first payment is received by XX/XX/XXXX. Create a plan that works for you! 
In a position to move past this now? Take advantage of great savings. Need savings with a little extra time? This might be the right choice for you. Trying to balance savings with a lower payment? 
This makes it easy! Contact us today for additional options. 

We are not obligated to renew these offers. Several payment methods are available. These options are both convenient ( save XXXX XXXX XXXX ) and worry-free ( your payment is always on time, even if youre busy! ). 

XXXX ) VISIT XXXX XXXX Enter your NCA account number ( XXXX ) and your five-digit zip code ( XXXX ). This online service is available to you XXXX hours a day. 

XXXX ) SCHEDULE PAYMENTS Want it to be even easier? Payments can be automatically scheduled via checking, savings, debit or credit card. Call us to learn more ; the process is painless and secure, and well even send you payment reminders! 

Learn more : XXXX Pay online : XXXX XXXX us : XXXX This communication is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose. 

Make a Payment! 


po box XXXX / XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX XXXX XXXX : XXXX Fax : XXXX Continue scrolling for notice of important information. 

National Credit Adjusters Physical Address : XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX XXXX XXXX : XXXX Fax : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations by Experian Failure to Ensure Accuracy ( FCRA Section 607 ( b ) ) : Experian is legally obligated to ensure that all information in my credit report is accurate and verifiable. The continued reporting of unauthorized hard inquiries violates this obligation. 
Failure to Investigate Disputes ( FCRA Section 611 ( a ) ) : Experian has not conducted a reasonable investigation into my disputes, nor have you provided sufficient justification for retaining these inquiries on my report. 
Permissible Purpose Violations ( FCRA Section 604 ) : Hard inquiries can only appear on a credit report if initiated for a permissible purpose and with my explicit consent. The lack of verification for these inquiries indicates noncompliance with this section. 
Failure to Notify Results of Dispute Investigation ( FCRA Section 611 ( a ) ( 6 ) ) : Experian has not adequately communicated the results of your investigation or provided evidence supporting the legitimacy of the inquiries.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I placed an order of XXXX pairs of custom printed pajama sets ( top and bottom ) from XXXX. The site said that crafting the item would take 2-5 days. The price was {$130.00}, and I paid using PayPal. 

On XX/XX/XXXX, I had first reached out to the company as the item did not ship. 

On XX/XX/XXXX, I opened a dispute with PayPal On XX/XX/XXXX, I informed PayPal that I had received a package, but it was only XXXX pajama bottoms ( vs. the XXXX top/bottom sets that I had ordered ). Because this was a gift for a party, and the order was wrong, I had to purchase from another merchant. The order was clearly wrong and I asked for a full refund. 

On XX/XX/XXXX, I was informed that my case was closed, with no refund, as " This transaction is ineligible for PayPal Purchase Protection. '' It is my expectation that a payment provide provide Purchase Protection, and PayPal advertises such protection as a feature of the product. It was not made clear what about this specific item did not include the protection, and it was not disclosed to me at the time of purchase that such protection was not available. I believe this omission was deceptive, as I was acting as a reasonable consumer would, and I would not have made this purchase, had I known that PayPal would not offer protection. I believe that PayPal 's practice of advertising protections, but not offering them when a reasonable consumer would expect them, is a deceptive and abusive practice. 

I would like a full refund for this item, and for PayPal to change this practice going forward.
Product: Vehicle loan or lease

I applied for a car loan. I placed a credit freeze on my account in  XXXX    XXXX   after I was the victim of identity theft. I had a new number then. Now, I applied for a loan and the salesmen is telling me that I have a freeze alert on my account. However, when I contact the  XXXX  major bureaus they are denying that I have a freeze. Thus, I have been denied credit because they can not verify that it is me requesting the loan. I have told them several times to contact me at my recent number but they said that they have to use the number that was on the initial fraud report. It is frustrating because I know that my credit is  Good.  The companies involved are :    XXXX   XXXX   XXXX       XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  of  XXXX , MS  XXXX   XXXX   XXXX  I have nothing against these companies. It is the credit bureaus telling me that I do not have a credit freeze ; but telling lenders that I do and lenders are caught in between.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally dispute inaccuracies in my credit report and to seek compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further supported by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights Experians failure to adequately investigate consumer disputes and its improper reinsertion of inaccurate information into consumer reports. The following inaccuracies in my credit report require immediate correction or removal. 
XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/scrub>XXXX XXXX XXXX XXXX to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and to formally request that the accounts and inquiries listed below be blocked and deleted from my credit report. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : 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 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 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

I have a CD maturing on XX/XX/year>. I called today, XX/XX/XXXX, to inquire on the process to close the account upon maturity. I spoke with two individuals, one being XXXX with an employee ID of XXXX. Both individuals informed me that upon maturity, it will take 2 - 3 business days for their back office to close the account and an additional 4 days for their funds to be transferred to my linked external bank account. That is outrageous. Why does it take 2 - 3 business days for their back office to close the account upon maturity?! They sit on the funds for 2 - 3 business days!! That cant be legal. Its a CD. Not a market traded CD. This was never disclosed to me upon opening the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXCITIBANK Account Number XXXX Opened XX/XX/XXXX Current, was past due 30 days Status date XX/XX/XXXX Late payments XX/XX/XXXX Never late on any of my accounts. Why is this negative inaccuracy on their end for Citi Bank failing to report accurate information onto report? I'm sure this is a violation of the FCRA. I'm extremely upset about Citi Bank failing to report inaccurate information for my behalf being a user with them since XXXX. Should I consider to still use them if they fail to report accuracies in the near future? This is unfair practices placed against me.
Product: Credit reporting or other personal consumer reports

I have a credit building card through XXXX, XXXX Bank XXXX XXXX The XXXX credit building card is a pre-paid card that can only have a negative balance of a maximum of {$50.00}. On XX/XX/XXXX I transferred {$250.00} from my XXXX  checking account to my credit builder card account. I paid a storage unit payment on XX/XX/XXXX for a total of {$200.00}. On XX/XX/XXXX I made multiple purchases through XXXX for {$50.00}. At this point, my credit builder account had a negative balance of less than {$1.00}. On XX/XX/XXXX I received an email from XXXX XXXX that said my credit was impacted and my credit score went down. When I checked my XXXX XXXX account it showed that XXXX reported my credit builder account had a negative balance of - {$230.00}. After looking into my accounts I disputed the balance in XXXX XXXX. Today XX/XX/XXXX, I contacted XXXX to find out why my credit builder account reported a negative balance. They told me that it was how the credit agencies interpret XXXX reports and i would have to dispute it with the credit agencies. I have since turned off my credit builder card with a balance of {$0.00}. I then XXXX  if anyone else had a similar problem with XXXX. I found that this problem has been happening for years and has yet to be corrected by anyone.
Product: Mortgage

I being paying Ditech for months, trying to get on track, they sent my loan number to another company, without being notified, I told them I have a loss of incomes, which it seems to matter to them, I apply for a loan deferment, was turn down, they don't try to work with you, being having problems with them, told me already had four deferment and denied the fifth deferment, they don't seem to care about their customer, it all about money, I being paying XXXX most time it being XXXX if home insurance need to be added, but they took over the XXXX for insurance Pay by them, I have a loss of income, since XX/XX/XXXX, my home is damages, which I file a claim in XXXX, they refuse to fix the home, the adjuster say how he knows if it water damages, mode on the wall kitchen wall wall damages, fridederator was leaking in the line, no help from them, kitchen floor coming up dues to water problems in my home around XXXX, then around XX/XX/XXXX, tree fell on my home, the the insurance people told me, I have to remove tree off my house, before I they can come out to take picture, which claim did go through, with Ditech and my names on it, I sent them the check where both parties need to sign, as of XX/XX/XXXX my home is still damages, no return check, only thing u get was that's my loan went into default, now I'm. Paying XXXX, extra dollar to catch up, then charge XXXX for processing fee, all they ask when you have the rest of the money, but my home is broke down, when it gets fix, bi do not know, they put the insurance claim check in the escrow account, I don't have an escrow account, it just sitting there, why my my home getting worst, especially when it rain, because they not letting me know anything. My loan account number is XXXX, also ask what happened to all extra money, I pay, they claim it went on interest, my old loan was XXXX before transfer to new loan, starting over again
Product: Debt collection

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. however, this account is still inaccurate and your company is STILL damage to my credit score. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report.
Product: Debt collection

RE : VALIDATION ; CEASE AND DESIST Dear LVNV FUNDING LLC, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 

Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Had Noticed the Hard Inquiries that I had never authorized to Pull from creditors. 
Someone stole my information and used them XXXX  1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX, 3.Clarity Services Inc XXXX 4.XXXX  XXXX XXXX  XXXX 5.XXXX XXXX XXXX XXXX XXXX 6.XXXX  XXXX 7.XXXX XXXX XXXX  XXXX 8.XXXX  XXXX XXXX XXXX   1.XXXX XXXX XXXX 1.XXXX XXXX and XXXX and XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617.

This is the third time IPlease accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter, as well as copies of the three written letters, sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite several prior written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
GM FINANCIAL # XXXX You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide a method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability, and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this mater to enforce my rights under the FCRA. 
Sincerely,