23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting act XXXX Account capital one, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mines and should be deleted. This is a fraud account. 

1. XXXX XXXX XXXX Last reported XX/XX/XXXX {$1500.00} Reported balance These Inquiries I didnt authorized. 

Inquiry details XXXX/XXXX  Inquiry from XX/XX/XXXX Bank  XXXX XXXX  Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX  Inquiry from XX/XX/XXXXFinance XXXX  XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance  XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX Automotive XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX  XXXX Inquiry from XX/XX/XXXX Bank
Product: Credit card or prepaid card

Hi, I spend over XXXX XXXX dollars a month with American Express. On Saturday XX/XX/2019 I went to transfer points to several names under my card as we are traveling to Hawaii  on Tuesday. I was also transferring points so that I could upgrade my wife 's family traveling from XXXX. To my surprise the account was locked stating the following : This action will not be completed because of an attempt to sell or otherwise transfer Membership Reward points to someone else which is not permitted under the terms and conditions of the program. 

I was not trying to sell, that is a lie. I was transferring to people who have been card holders for over 4 years. I had to cancel two tix at {$1800.00} a piece as I promised upgrades for the 20 hour flight. I could not transfer points on sat and they opted out of tomorrow trip. I am going to take my XXXX XXXX a month spend to a company that values unless they make this more than right.
Product: Debt collection

YOUR TIME TO RESPOND IS UP!!! I gave Wells Fargo Dealer Services 14 days to respond with the documents I requested for the second time on XX/XX/XXXX ( I sent the original Cease and Desist Notice on XX/XX/XXXX ). It is now XX/XX/XXXX and I still have not received the documents I requested ; which by law, The Freedom of Information Act gives me the right to request such documents. These violations are very damaging to me the consumer. Not only did you fail to address my very specific legal requests on time ( twice ), and are in clear violation of the FDCPA, you also violated my Cease and Desist Notice I sent to your company : the notice clearly stated ; " Any further communication with the Consumer must be in writing, delivered via mail. '' I was called on XX/XX/XXXX at XXXX XXXX and XX/XX/XXXX at XXXX XXXX, and a woman by the name of XXXX left 2 voicemails, which is a violation of the FDCPA and the TCPA and 15 USC 1692c, and pursuant to 15 USC 1605 you are also in violation. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Wells Fargo Services is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692K. 
I am seeking remedy under 15 USC 1692k and 15 USC 1681n for damages sustained by me the the consumer. I'm requesting {$50000.00} IN A CHECK for all the violations that occurred.

I also Demand that you return all of my monthly installment payment funds according to 15 USC 1692h back to me IN A CHECK.

Wells Fargo 's continues with willful non-compliance which has damaged my reputation and continues to violate my consumer rights. This notice is an attempt to correct your records before I am forced to take legal action, and any information received from you will be collected as more evidence should any further action be necessary. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

-- Very Respectfully, XXXX XXXX
Product: Debt collection

I was contacted in XXXX of this year XXXX by Phoenix Financial Services a debt collector stating that I owe a debt from a XXXX  in XXXX Fl that I have never been too. When I asked them to provide me hard proof they would not and laughed and said it is your debt and you will pay it or else. They only would give me the date of service and said it was from XXXX. There is no way any hospital would wait 5 years if I had outstanding debt with them. So I asked them for the name of the medical group they say I owed which is XXXX XXXX XXXX. I looked them up online since they would not give me a phone number and it came up as a place in XXXX, Fl. I have lived in XXXX, but I have never been seen at this location. I called the hospital and asked for their billing dept and spent an hour on the phone and they could not find me given the account number that is on the bill that Phoenix Financial sent me in the mail. They have never heard of the group and they searched for me up by my social, name and everything and have no record of any visit at their hospital ever. So today XX/XX/XXXX I get a alert on my credit report that there has been a collection placed on my XXXX report for {$120.00} from Phoenix and this is just wrong and hurtful. They have harrassed me daily with calls and they are rude and wont give proof that this is my debt which is it not. I had Medicaid in XXXX and all my debts were paid by Medicaid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear XXXX, Equifax and XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is a formal request to correct inaccurate information contained in my credit file. The item ( s ) listed below is/are completely erroneous. I have listed the items below which are incorrect and need to be deleted from my credit file. XXXX XXXX XXXX {$53000.00}, Opened XXXX. XXXX, XXXX, Charged off as bad debt Profit and loss write-off, Closed XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX . {$27000.00}, Opened XXXX XXXX, XXXX, Charged off as bad debt Dispute resolved ; customer disagrees, Closed XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX {$470.00}, Opened XXXX XXXX, XXXX, Charged off as bad debt Dispute resolved; customer disagrees, Closed XXXX. XXXX, XXXX -XXXX XXXX XXXX {$400.00}, Opened XXXX XXXX, XXXX, Placed for collection, Original Creditor Name XXXX XXXX XXXX  In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item. Furthermore, I request that you supply a corrected copy of my credit profile to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber that you provided a copy of my credit report too within the past six months. I respectfully request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act. I thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX. Thank you for your time, XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX Chase purchase XXXX, along with the mortgage I purchased Life and XXXX and XXXX, in XX/XX/XXXX by the state of Mass I was deem XXXX. The doctors thought maybe no, by it went the other way. have completely filled out every form, the doctors filled out forms for years, I been investigated. an still showing, a status of XXXX, they have received records from social security and still concerns, they want the doctors to re fill out forms out all over again, in the XXXX it states Social Security is really what they go by. it just about gving me the run around regarding. not to pay the policy, I was in an accident in XX/XX/XXXX, which the policy covers, I was not XXXX at that time, I could have purchased any policies between XX/XX/XXXX and XX/XX/XXXX, if i was killed in XX/XX/XXXX would they say they not going to pay the life? how does any one person know what the next day brings really.I was getting a cup of coffee, i did not ask to to be XXXX, and my life changed over night. but this wi why you purchase Insurance protection. But there is no reason why they compay should be giving me this much trouble to pay me. ther are so many complaints for various reasons. they have reviewed an obsessive amount of medical records, i am not sure what they think they are going to find, this is bording on harassment amd creating hostility and they are still removing money for the payment of the XXXX, and every now and then they claim they ca n't and try to get the policy canceled. 
there is a life policy attached also thei was purchased in XX/XX/XXXX 14 years this is lots of money chase has to be held accountable for this. they sold my phone number to the third party, for calling at dinner time the most hectic time with XXXX small kids. chase is only protecting themselves and charging XXXX for the payment. It the Insurance company paid when they were to, it would not be a big deal now. 
someone has to stop the Insurance companies from taking advantages from consumes, make promeses, and then when the consumer needs the insurance it completely a different concept. this is with all insurance sold today, thye blame it on the XXXX pages of fine print. the agent/sell has to have blame, not just collect commission and not respont to phone calls. when you ask a concern dictate to you like i never said that Insurance company have become " Bullies ''. the consumer just Pay and then wait and wait when we have a real issue and could run in to a serious problem. this is not want Insurance is all about. I am tired of being Bullied by this one. 
I was not XXXX until XX/XX/XXXX in Mass that is what my letter is dated.
Product: Debt collection

Complaint XXXX XXXX XXXX  Court : Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Amount : {$1300.00}, and any other amounts due thereunder.was paid however the agreed obligation to file removal from supreme court Lien has not been honored and its been 6 years and several requests and promises that this would be done. This has caused financial harm with title reports showing this false debt Lien.
Product: Debt collection

A debt collection agancy has been calling my personal cellphone for months. When the started calling my phone no one would answer. The would hand up without saying anything. the they started askin for Person named XXXX. I am not this person, please stop calli my personal cellphone I said. the said the woild not. then a different phone # from same city started calling me again. I want them to stop bothering me by asking for this XXXX person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX holds our lot loan that matured in XX/XX/2021. While in the process of refinancing the loan, XXXX XXXX erroneously reported to XXXX, Equifax, and XXXX a 30 delinquency even though we continued to make our regular on-time payments. The credit bureaus started reporting this delinquency on XX/XX/2021 reducing my credit score by 44 points. 

On XX/XX/XXXX XXXX took negative action against me by reducing my credit limit to the current balance which also inflates my debt to income ratio increasing the negative impacts. 

On XX/XX/XXXX, XXXX XXXX XXXX sent a letter confirming the error, while also stating they sent a correction to the credit bureaus. 

On XX/XX/XXXX, I submitted a dispute to XXXX but received a notice that it will take 30 days to remove. 

Since this delinquency is an admitted error, it should be removed from my credit report immediately mitigating the risk of other creditors taking additional negative actions against me. 

As of today, XX/XX/XXXX, it's been over a month, and the delinquency is still being reported. 

My husband and I are struggling to overcome the devastation COVID caused to his business, working to refinance our mortgage that is current in forbearance and while our situation is improving, this error can devastate us. 

PLEASE HELP US QUICKLY. THANK YOU.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, a Military Star card was opened for the amount of {$850.00}. 

Military Star XXXX XXXX XXXX XXXX, TX XXXX I didn't not apply for this line of credit, and believe you have to be an active member of the military to open this. 

I was notified by XXXX XXXX and XXXX to verify this account and that is how I found out.
Product: Checking or savings account

I have a Checking Account with USAA Federal Savings Bank. The account number is XXXX. I incurred six ( 6 ) NSF Fees of {$29.00} each from XX/XX/XXXX to XX/XX/XXXX. This totals to {$170.00} in fees. On XX/XX/XXXX, I became aware that my account with a third-party payment processor ( XXXX ) had been compromised and multiple unauthorized payments occurred via XXXX, which subsequently drew funds from my USAA account and consequently overdrew the account and continued to attempt charges. The issue has since been resolved by XXXX. 

I promptly notified USAA to report the issue on XX/XX/XXXX. Unfortunately, they failed to resolve the issue. I wrote to them again on XX/XX/XXXX, and XX/XX/XXXX, to no avail. After my third letter to USAA, I was advised to send in my request in writing again and provide supporting documentation from XXXX. I did so on XX/XX/XXXX. Unfortunately, it has been almost two months and I have not received a response. I sent a follow-up letter on XXXX, XXXX, XXXX, but they still have not refunded the NSF fees that resulted from the fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity thief I have fraudulent inquiries on my credit report for credit I do n't apply for XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Att XXXX XXXX XXXX XXXX auto XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fin XXXX XXXX auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fin XXXX XXXX auto XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent certified mail a letter that included all my disputes and a copy of my drivers license and Social Security card. I waited 30 days and I contacted Experian again and spoke to a supervisor named XXXX XXXX. She states on XX/XX/2023 that they never received the information. I then explain to him that I had resent everything again in a certified letter that was delivered to them on XX/XX/2023, and then I had received a card back from Experian that they had signed for the package. The name the Experian signed with was XXXX XXXX. He said that he would put in another request looking for this new mail. He also told me I could dispute things using the upload tool, but that has not worked because every time I do it I do not receive an email or anything stating the dispute is in process. Ive notified them of that several times with no resolution. Im just not understanding why I am sending them certified mail and Im not getting resolutions. I thought all disputes took 30 days and now they are not even looking at any of the Mail that I am sending them. I have filed a complaint with the Iowa Attorney General as well. I thought us consumers had rights about incorrect information on our credit report.
Product: Credit reporting or other personal consumer reports

XXXX File Number XXXX Date Issued : XX/XX/2024 Investigation : VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 

I have disputed General Revenue Corporation collection agency on my XXXX credit report. I do not have an account with this company and XXXX continue to verify the information to be accurate without proper verification of this account. I have requested a verification letter from XXXX XXXX XXXX with my name, address, account number, payment history, signed agreement and I have yet to receive this information while the credit bureau failed to follow federal laws of FCRA and 15 USC 1681.
Product: Credit card

Discover Card advertised to customers that they would provide a 10 % cashback if consumers added their cards to XXXX and used it through the end of 2015. They did not list any exclusions on products that could be purchased in the terms that were provided to customers, but are now claiming that they are excluding gift cards and are refusing to honor the original terms that they provided. Even after emailing Discover Card to ask them to honor the original terms, giving them an opportunity to correct this blatant false advertising and deception of customers, they refused. 

These were the original terms : '' Earn an extra 10 % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX XXXX, 2015. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within XXXX billing periods. " Discover, after the effective date of this offer, and without contacting customers, changed their website to a different set of terms to add this exclusion after having promoted the original ones : '' Earn an extra 10 % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX/XXXX/15. Excludes gift card purchases. ''
Product: Mortgage

This is an addition to previous complaint case # XXXX / omb # XXXX as I was unable to add additional information to that complaint as a result of Wells Fargo 's responses to me. 

I was advised at XXXX Tuesday XXXX/XXXX/16 by Wells Fargo rep XXXX XXXX that his managers refused to provide restitution for the purchases I made in anticipation of my vacation to fire island that was cancelled as a result of all the misinformation provided to me by multiple Wells Fargo reps while I was getting a loan modification. I would not have made the purchases if not for the XXXX XXXX trip that I had to cancel. I wanted to add to the complaint that I was told NO restitution is being provided. 
This is very upsetting that this company can tell me XXXX or XXXX different things as it pertains to my mortgage payment amounts and dates, take money from my account when not authorized AND not provide any restitution for or be accountable for their actions causing me and my family great losses. We lost out on a vacation ( TWICE AS A RESULT OF MISSINFORMATION ), which in my eyes, with XXXX children looking forward to is priceless, money spent for that vacation at least {$2200.00}, there was at least {$1000.00} more but that was spent in cash so unfortunately I can not provide receipts for that. Another {$700.00} or so in medical expenses and they say " sorry, cant help you with that '' I would like to insist that at the very least, they provide restitution on this matter with re payment to me in the amount of {$3000.00} Thank you.
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXX XXXX ) has sent me XXXX fraudulent medical invoices to collect a debt that is not valid. I have received XXXX Fraudulent Medical Invoices on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Today, XX/XX/XXXX, I received a debt collection letter from HRRG and I have sent a dispute letter to HRRG. The XXXX invoices are fraudulent and state that I owe {$150.00}. I have contacted my medical provider to let them know that I have received XXXX fraudulent letters/invoices and I have filed the following complaints in the past with XXXX  and FTC on XX/XX/XXXX and XX/XX/XXXX. The XXXX invoices contain misspelled words, fraudulent account numbers, and fraudulent medical provider name. The XX/XX/XXXX fraudulent invoice asked me to fill out my insurance information and credit card information. The website address listed on the invoice is XXXX I have contacted XXXX XXXX XXXX to verify if I owe a balance and I do not owe a balance, after paying a total of {$770.00} in medical bills from the XX/XX/XXXX emergency hospital visit. I have confirmed that two payments were made by me on XX/XX/XXXX for {$730.00} to the XXXX XXXX XXXX and a payment of {$39.00} was made by me to XXXX XXXX, XXXX on XX/XX/XXXX and I can provide copies of my paid medical invoices from XX/XX/XXXX emergency visit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The report is over 7 years old and should have been removed from my record. 
The report date keep changing and continually show new late payment. 
Not only the account was inaccurate and a duplicate from the start, it was never fixed. 
XXXX XXXX XXXX is unwilling to fix the issue. XXXX, the original supposed creditor did not admit their billing error, Please assist in removing this inaccurate file from my records. 
Best regards.
Product: Student loan

I was XXXX in XXXX XXXX. This past XXXX, XXXX student loans accepted my Federal XXXX determination and discharged my private student loan ( my doctor also completed their form ) but Navient Student Loans ( previously XXXX XXXX at the time the loan was taken out in XXXX ) has refused. I am still in need of XXXX and can not work full time. I also attended the XXXX XXXX of XXXX. Navient refuses to even consider me for deferment or forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not do a proper investigation into the issue. They continue to misrepresent the information and label it correctly. Date of first delinquency is not accurate. According to the original creditor. This is a continuous issue with equifax.