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

I've sent certified letters to XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX on XX/XX/2018 It has been well over 30 days ago requesting validation for the alleged debts. I have not received a response and have not received any validation as I requested. I have then sent certified letters with supporting receipts to XXXX  and Transunion requesting to remove these accounts from my credit file. My rights and F.C.R.A law is being violated! The accounts have not been verified 100 %. XXXX XXXX XXXX sent a collection letter stating that they have received an XXXX  dispute online from me which is not true. They are basically admitting to using XXXX. Any automated response or XXXX  verification is unacceptable. If the CRA can not provide physical verification of the account it is an UNVERIFIED account and must be deleted. I have also received a letter from the Clerk Of Court stating that they do not release information to collection agencies and credit bureaus. 

I've uploaded copies of certified receipt and documents
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you that I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent accounts and unauthorized inquiries from my credit report : Fraudulent Accounts : XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Closed : XX/XX/XXXX XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$850.00} Unauthorized Inquiries : XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX
Product: Credit card

Citi Card enrolled me, without my knowledge, into a 'special rate ' promo for my credit card ending in XXXX. I noticed this on XX/XX/year> when I saw a line item for interest charged for XXXX of XXXX ( XX/XX/year> ). Looking back, I also saw another charge for XXXX with the same line description on ( XX/XX/year> ). After researching teh description online, Citi changed the APR rate for purchases to 9.99 % and started charging daily interest from the statement date until payment was made. This was not the language in my card holder agreement and Citi normally charges 24.17 % and interest only on if the balance is not paid in full AFTER the payment due date. 

I chatted with the support agent through Citi 's website initially who informed me of the promo rate and that I would have to call to 'verbally confirm ' that I want the offer removed. On first time calling, the Citi agent was unable to find the 'promo ', but she agreed to remove the XXXX charge. On the second call, the agent was able to find the promo and transferred me to a different department to assist removing it. The second person on that call refused to remove it and said it would auto expire on XX/XX/year>. I asked for proof that we had signed up for it, and they said 'it was through the automated system '. I had not signed up for this product, so I was confused as to why the automated system signed me up for it. I asked to have it removed as I did not agree to that, I was told by the agent who 'checked with her supervisor ' that since the automated system added it, it was unable to be removed. At that point I reiterated that I did not sign up for it, but the outcome and response was the same.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated to find an unauthorized inquiry on my credit report today with no explanation. I check my report regularly, and this has never happened before. I tried refreshing my browser, hoping it was an error, but the issue persisted. This is unacceptable, and I need this to be addressed immediately. Please review my submitted documents carefully and resolve this issue so I dont have to deal with this stress any longer.
Product: Credit card or prepaid card

i REQUESTED A 2ND CREDIT CARD FROM CAPITAL ONE. THEY THEN RESTRICTED MY 1 ACCT AND THE 2ND CREDIT CARD FOR FRAUD. I HAVE SENT THEM FRONT AND BACK ID, SOCIAL SECURITY CARD, STATEMENT FROM MY BANK WITH A NAME SHOWING MY CHECKING ACCT # AND ROUTING NUMBER WITH MY NAME AND ADDRESS. BLANK CHECK FOR DIRECT DEPOSIT SET UP WITH ALL MY INFORMATION AND MY BANKS. I LIVE WITH MY MOTHER XXXX XXXX WHO IS A MEMBER AND HAS 4 CARDS WITH CAPITAL ONE.SHE ADVISED THEM UTILITIES ARE IN HER NAME AND LEASE AND EVERYTHING. THEY REFUSE TO UNRESTRICT MY ACCTS SINCE XXXX. THEN THEY ARE MANDATING I SEND IN IDENTIFICATION FOR 3 PEOPLE I ASKED TO BE ADDED AS AUTHORIZED USERS THAT I ASKED TO BE REMOVED AS AUTHORIZED USERS JUST SO THEY CAN REMOVE THEM. THIS WAS ESCALATED MONTHS AGO DUE TO COMPLAINT WITH CFPB AND THEY STILL DID NOTHING TO RECTIFY THIS. I HAVENT BEEN ABLE TO USE THE OLD CREDIT CARD ACCT AND NEW CREDIT CARD ACCT SINCE BEFORE XX/XX/2021. THEN THEY CLOSED THE ACCT WITHOUT MY PERMISSION AND LEFT THE ORIGINAL ACCT RESTRICTED
Product: Mortgage

Case number : XXXX was opened on XX/XX/2016. Citimortgage requested again all the documents for a loan modification for the third time. 

Citimortgage closed the case again allegedly for me not submitting " additional '' documents within their required date. I submitted them via the email provided and can prove it. Citimortgage refuses to modify the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Vehicle loan or lease

I had a loan with state farm bank I had to volunteer give up the car because a mechanic messed up my car with repairs and I spent over {$2000.00} to repair more problems continued and I saw no sense of making payments on a car that isn't working. I voluntarily gave up my car. In 2019 state farm bank call me everyday harassing me and I had to tell them to stop calling me everyday harassing me before I sue them for harassment and they continued to harassing me by sending notices about the loan. On my credit report, they put charge off notices for a whole year. Last year year they closed my account. XXXX of this year, they sold my information to a debt collector after state farm bank closed my account last year.
Product: Credit card or prepaid card

On or about XX/XX/XXXX, Bank of America posted three charges to my credit card for a subscription service from XXXX XXXX XXXX from MN. Each charge was {$210.00}. 

I subscribed with XXXX for one XXXX service contract for one year at {$210.00} only. It is a video web service for conferencing and one subscription is all that anyone would need. 

I contested the charge and BOA credited the account for the two additional charges and began an " investigation ''. On XX/XX/XXXX, they claimed they had resolved the dispute and re-posted the charges. I contested it again. They advised that they would respond in 30 days. In early XXXX, I sent a certified letter with full documentation of the transaction, their correspondence, and correspondence with XXXX that confirmed that I only have one service subscription. Moreover, XXXX also agreed that they had only been paid for one subscription. 
In my latest ( XXXX ) BOA statement, the dispute issue has completely disappeared. I call them again, protested the charges again, was told a manager would call me back- they never did. 

This is my last resort before I seek counsel and sue BOA for my time, legal fees, and costs. It will be much more than the {$430.00} that is contested. 

Finally. after corresponding with XXXX, they pushed me back to XXXX Technical Service who claim they can not do anything with the issue because BOA has locked them out. 

For reference, the BOA account is current and being maintained.
Product: Credit card or prepaid card

today, XXXX XXXX 2017, i received in the mail a gratuitous solicitation from netSpend. the company sent me an unrequested pay-as-you-go credit card and directions for activating it.
i responded to the telephone number, provided in the direct mailing, for opting out of the unsolicited offer expecting to be able to speak live with a customer service representative. i wanted to register a complaint and request that netSpend cease and desist from soliciting me without warrant. however, i was unable to talk with another human being. the telephone access is a closed loop of prerecorded, automated menus and responses to general questions. though i did select to opt out of the unrequested offer, i have no record of confirmation that i have done so. and remain uncertain, as to whether the call i made might be used by the company to activate the credit card.
it matters little to me if the law protects conduct of this kind by netSpend, or any company, with respect to issuing unwarranted solicitations. the conduct is at least invasive and borderline hostile. if netSpend continues to send me unrequested solicitations and activates the credit card it issued under my name, i will consider the company hostile and seek to file lawsuit against it for violating my 14th amendment rights to privacy.
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/year> I contacted my banker to open 2 disputes for merchandize not received. After the claim was open the bank closed my account ( I can guess that bank doesnt like customer who claim this ). Until today I didnt receive any update of the cases or letter requesting more information or supporting documents. 
The bank sent me the cashier check with the credit remaining on my account, I depossited and was returned unpaid by the bank. 
I contacted my banker and he said that the claims were denied. 
Need to know what is going on, why the bank never sent me updates about the claims or any information they need it to proceed with the charge back request.
Product: Debt collection

They call me repeatedly from different numbers. I have emailed them and sent them a cease and desist letter but they continue and call me 15+ times a day.
Product: Credit reporting or other personal consumer reports

1st, recently they edited a payment history on my credit report to show XX/XX/ as 30 days late, when previously it showed XXXX XXXX  as current. They did this to fit in with the lies being told. Due to covid my family was super sick and had a 2nd repossession. They are claiming it was 120 days late on the 2nd repossession, but it was not. They said after 120 days they can list it as a charge off even though they gave me my car back. This was never disclosed to me nor was it in my contract. It took 1-1/2 years for me to finally be told this information. They have ruined my credit due to grossly reporting in accurate info. I have paid on time for 1-1/2 years, but they wont report 1 single month as currentt. They said they decrease balance every so often, but Im not so sure its decreased correctly. I have disputed so many times but theyve found a loop hole and are using it to their full advantage. How can they report a XXXX, and also closed account on my other credit report when Ive been paying on time for going on 2 years. This is a gross misinterpretation of the truth. It is destroying my families life! Recently they went in and edited the XX/XX/ payment status as I said above to 30 days past due when previously showed current bcs it was. They said it was 120 days past due for XXXX, XXXX, XXXX, XXXX but I made a payment in XXXX. They are editing information to help continue the shady business practices. They are destroying my life! My score dropped XXXX points after the reason edit. Please help me. The XXXX  is involved now also, and have been communicating to XXXX XXXX. They have the legal terms down to a science and know exactly how to word everything. Im going to sue the XXXX, XXXX and everyone involved for defamation. This is a lie!!! Im paying on time every month but all it shows is XXXX How do I know they wont steal my car even?? It was over {$12000.00}. And now over {$3000.00}. Im afraid at this point. I hope I can attach documents to show you what theyve done to my credit report. Thank you for your help. Pls dont Let them get away with this huge injustice. Im a divorced mother of XXXX. I wont stop fighting this until its fixed to show accurately or removed completely.
Product: Credit reporting or other personal consumer reports

I have not given you written permission to put anything on my credit profile according to 15 USC 1681 b2. 
You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX years of imprisonment, in addition to civil liability. 
I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST CREDIT COLL 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Mortgage

i received a sale notice date set for XX/XX/XXXX from peak foreclosure service acting as the trustee for from what i was told Bank of America, but my loan was originated by XXXX XXXX XXXX Loans, i was contacted by XXXX XXXX servicing a sub-servicer working for either Bank of America or XXXX XXXX XXXX XXXX XXXX in which all of these companies claim that XXXX XXXX XXXX XXXX XXXX XXXX XXXX a shell company is the owner of my mortgage i request a QWR back in XXXX of XXXX but never received a reply in the time framed prescribed by law from none of these companies, this loan has been moved from one place to another with no real way of knowing who is the real owner of this loan in order to get answer to question of why my mortgage payment and deed of trust do not have the same interest, payments and terms from the day this loan was recorded, and who i should speak to regarding the decisions of a loan modification from Bank of America or XXXX XXXX XXXX XXXX since the sub-servicer has to get information from these banks, i need names and numbers of representatives from of these banks regarding all information pertaining to the mortgage that they claim to own, also if Bank of America is the decision maker then i need to speak to them directly regarding my loan modification request because i have no clue who the real parties are, interesting enough i found a case just like my that spells out this problem : CLICK ON THE LINK : XXXX : XXXX # XXXX Follow The Mortgage - XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Late Payment Reporting by XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate late payment information on my credit reports from XXXX, TransUnion, and XXXX regarding my account with XXXX XXXX XXXX. 

My credit reports currently show two late payments for XX/XX/year> and XX/XX/year>, which I believe to be incorrect. Under the Fair Credit Reporting Act ( FCRA ), all information reported to the credit bureaus must be accurate, verifiable, and fair. Since these late payments are inaccurate, they must be removed immediately. 

Please provide written confirmation once the corrections have been made. If further information is needed, I can be reached at the contact details listed above. 

Thank you for your prompt attention to this matter. 

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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my UPSTARTXXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

Portfolio Recovery purchased debt According to 15 USC 1692 ( 2 ) a debt collector may not state such consumer owe a debt. I have not consented to the selling of my private information in disclosure of my place of dwelling, I have no bonded contractual agreement with the company in pursuant to an alleged debt. This is also a direct violation of 15 USC 1692f unfair practices I have never consented nor have done business with this company who is reporting inaccuracy to my consumer report which is a threat to my moral character and procurement of consumer report for the resell without written consent 15 usc 1681 A ( e ). The furnishing of this inaccurate reporting of information is fraudulent
Product: Debt collection

I received a phone call in early XXXX, 2016, from an unknown number. The woman on the line made a very brief statement about me needing to provide her with payment information in order to resolve a balance with " ERC. '' She made no official statement to identify herself, or her employer as a collector attempting to settle a debt. I asked her again who she was calling on behalf of, and she again said " ERC. '' I responded, saying that I had no idea who ERC was, or why I would have any outstanding balance with a company I had never heard of, and had no intention of making payments on a balance that I do n't own. She then terminated the call, without having made any attempt to clarify the name of her employer, or that she was making a legal attempt to collect a debt. No further attempts of contact were made. One week later, on XX/XX/2016, a collection was filed on my credit report under the name Enhanced Recovery Corp.
Product: Checking or savings account

Subject : Discover/XXXX Restriction XXXX Discover deliberately restricted access to money transfer feature, XXXX, for many Cashback Checkings account holders with no upfront announcement prior to system maintenance. Features were limited and unable to be used several weeks before formal announcement was made via email in late XX/XX/2022. Spoke with many Customer reps about issue on several occasions with no real explanation to issue ; Discover reps would continue to point the finger at other third-parties being responsible for the issues. During this system maintenance, the ability to use XXXX has been COMPLETELY RESTRICTED at ALL banking institutions ( not just Discover ) and many customers were unethically placed on XXXX Global Restriction [ derogatory negative reporting ] due to the actions taken by Discover. It has been nearly been 2 months since issue began and still no resolution. Discover continues to admit that the issue is with other third-parties ; despite them being entirely responsible for the amass issues they have caused for many other account holders. 

Here is a link to others experience on the issue : XXXX XXXX XXXXXXXX Finally, Discover needs to have some integrity and right these wrongs that they are solely responsible for. An Executive needs to step up and take responsibility for this fault and do the work to correct these unethical business operations.
Product: Credit card or prepaid card

I stopped using my american express card 4 months ago and american express actually you owed me money {$210.00} which paid back and they still owe me cash back money. Today I get a balance for {$3600.00} under " adjustments '' so I called amex and they could not give me an explanation of what those adjustments were coming from so they gave me a reference ID number XXXX and that it will take up to weeks to resolve this investigation. I have not used this card in 4 months, where are these adjustments coming from? 6 to 8 weeks to resolve what? unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

CNAC is a finance company in XXXX MI with XXXX XXXX. I have a loan with them from XX/XX/XXXX when I purchased a 2010 vehicle for fifteen thousand. As of XX/XX/XXXX and other numerous occasions, collections manager XXXX XXXX and account representative XXXX XXXX have misused my personal information and pulled my credit report either days before my car payment was due or two to three days after. XXXX says she does not know why XXXX pulled my report but she will ask her why. XXXX also stated the other credit pulls were " justified ''. I asked her how is using my social security number whenever they please and also without my consent, signature etc. justifiable and she did not reply. I have everything in writing emails. I refuse to make payments if I am going to be harassed for no reason and have my personal information misused and compromised. I still made the payments. I even put {$400.00} more to put me ahead on the next payment. XXXX " adjusted '' my payment and took {$100.00} out of the {$550.00} payment and put it towards their " cpi insurance ''. I do not have CPI insurance or proof of such so I am not giving them free money when my APR is already at 22 %. XXXX typed a Word document that has an Ohio company name on it. This company and its workers are a scam and a fraud and should not be in business whatsoever.
Product: Debt collection

americollect has put an delinquency on my credit report which I do not owe them. I owe a medical services which I have been paying directly to them
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus did not update late payments status i have proof from company that this account was never late and XXXX has yet to update payment history XXXX XXXX XXXX XXXX Company confirmed this according was always on time and never late
Product: Mortgage

We submitted a complete financial package on XX/XX/19. Approx. 30 days later we reached out due to another request for a paystub and were told that the original submission is acceptable and that we would receive and answer in 30 days. On XX/XX/19 another letter was mailed asking for paystub info. Called and was informed that paystubs were not legible. Mortgage now almost 90 dpd. Request in their hands since XX/XX/19. I am filing a complaint with the State Attorney General’s Office as well. XXXX XXXX/PHH are negligent in their handling of this account/modification process and need to be investigated.