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

Discover disabled the messaging system on Discover 's website, as well as the call center system. Whenever I attempted using phone relay for XXXX people to call XXXX, the phone system simply hangs up each time we try a call. 

Discover also disabled the chat messaging option to prevent me and numerous other people from receiving hardship relief due to COVID 19. 

Due to the COVID 19, I was laid off from my job. 

I am awaiting unemployment insurance processing. 

Can you please reduce my monthly payment or offer me a program or disaster relief? 

Thank you.
Product: Debt collection

Hi and Good Evening....I'm writing you guys again, because i been going back and forth with XXXX XXXX XXXX in regards to alleged debt that they bought from Capital One. We had a scheduled court date this month and they were no call and no show. I was unable to challenge the validity of this debt and there was a motion entered to withdraw this debt. I've challenged for the company several times to show me the entire proof of this debt and went to the court as it was scheduled but they never showed up.

I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand a total deletion of this account from my credit report. Their absent on the scheduled court date cost my family money because I had to take the whole day off from work. Please remove this account from my credit file.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and an account to XXXX XXXX XXXX is showing past late payments in my credit history. I sent a letter to all XXXX major credit reporting agencies to dispute the accuracy of the account and asked them to provide proof of the late payments that are being reported in XXXX. These letters were sent via certified mail on XX/XX/XXXX and to date I have not been provided with the information requested nor has the item been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I own a XXXX XXXX XXXX with a community capital With only {$250.00} charge community capital has fraudulently charge me fees in a very ingenious way this is one another gotcha company that is making life miserable for people and adding do already dense environment around us according to care xact every creator was overlooking the credit payment late fee but this company is holding me whole stage for my credit report to pay for various kind of fece 1st I bought something on a 6 month nor interest never got a letter from them finally found out they had a wrong address after 6 months the balloon charged me int'rest the take advantage of 3 hour difference between Eastern standard time and Pacific standard 9   if it is XX/XX/XXXX XXXX XXXX in California it is  XXXX XXXX in Eastern San the time and I'm late on my payment that's how they charge late fee and I have tons of them then when I give them my checking account information to make a payment only them and only this bank comes out as your account is non transactional while the same account is being used by other companies to get their payment why do they do this so that I called the customer service representative and make a payment using a debit card through him and they charge me {$9.00} as a customer representative beam in fee please help me otherwise I am stuck in this predatory loan company and menu contact the customer service they're very rudely say they're sorry pandemic or no pandemic we are not going to live
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several items on my credit report, I discovered unauthorized accounts and transactions on my credit report from XXXX XXXX XXXX I did not open these accounts or authorize these transactions. 
The following accounts/transactions are fraudulent : Collection Account with XXXX XXXX XXXX for the amount of {$9800.00} Credit cards : XXXX XXXX and XXXX XXXX accounts totaling {$930.00} and {$720.00} Collection account with XXXX XXXX XXXX XXXX for the amount of {$1500.00} Collection account with Jefferson Capital XXXX for the amount of {$1600.00} Credit Card : kickoff lending for {$80.00} Multiple unauthorized inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have taken the following steps to address this issue : Notified XXXX XXXX XXXX of the identity theft and requested a fraud alert on my files. 
Under sec. 605b and USC 1692
Product: Debt collection

The debt showing on my credit reports is not mine. The account states that it was opened on XX/XX/XXXX. During this time I was incarcerated until XX/XX/XXXX. There is no way I could have established this account nor give anyone else permissions on my behalf. Based on the information showing on my reports, I cant even identify what type of account this is. However, I do know that I was not in the position to have opened this frivolous account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX   Experian Re : unauthorized inquiry To Whom It May Concern  : I would like to dispute an unauthorized inquiry from  XXXX   XXXX  made on  XXXX / XXXX / 2017 . I checked my credit report, which I acquired from Experian.   I have contacted  XXXX   XXXX , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out from XXXX that my account was one of those breached. I immediately completed online security freezes with no problem at XXXX and XXXX credit bureaus, but have tried XXXX times to do so at Experian over XXXX. I get an error every time that says they are unable to honor my request. I have verified that all the information I entered is correct. I have not moved in 17 years and have changed NO personal information. I see that there are numerous complaints from other consumers online stating that Experian online security freeze does not work. They have a ridiculous request for additional documents to be mailed to them! I also tried their link to upload documents electronically ... that does n't work either! Time is of the essence. I have tried to contact they by phone and can not get a person to talk to, just one automated loop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting XXXX inquires on my report, that I didn't authorize. I advised them, and still not removed. Please remove inquries XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX XXXX XXXX XXXX  ( XXXX  ) XXXX XXXX XXXX Mortgage is maliciously and fraudulently reporting a 90 day on all three credit bureaus. I opened a mortgage in XXXX with XXXX and paid in in full in XXXX of XXXX. The account has been closed for nearly 6 years. My Transunion, XXXX, and XXXX  reports all show a 90 day late entry for XX/XX/XXXX. 

I have written several letters to XXXX and the Credit Bureaus disputing this 90 day entry. Letter correspondence was sent in XX/XX/XXXX, again 90 days later XX/XX/XXXX regarding this inaccuracy and no response was received. 

on XX/XX/XXXX I opened a complain with XXXX XXXX directly which has not been assigned to any one  in the mortgage division to investigate. They told me it would be 10 more days before someone would be assigned. 

XXXX XXXX is in violation of the following sections and subsections of the Fair Credit Reporting Act. 
PART XXXX CREDIT REPORTING ( REGULATION V ) Subpart EDuties of Furnishers of Information. XXXX Reasonable policies and procedures concerning the accuracy and integrity of furnished information. XXXX XXXX XXXX ) Duty of furnisher after receiving a direct dispute notice. 
List of violations and reference to codes XXXX. Supplying information to a CRA that it knows XXXX or should know ) is inaccurate ( XXXX  ) 2. Failure to conduct a reasonable investigation of a dispute ( XXXX  ) XXXX. Failure to notify you when it supplies negative credit information to a CRA XXXX XXXX ) 4. Failure to notify you of your right to dispute inaccurate credit information ( XXXX ) XXXX. Failure to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days XXXX or 45 days in some cases XXXX of receiving notice of your dispute ( XXXX ) These violations of the provisions of the FCRA, caused financial harm to me as it has caused denial of credit and higher interest rates. Attached is a copy of a summary report showing all three bureaus reporting the 90 days late in XXXX, and that the account was closed and paid in full in XXXX. There is also a note that shows the account was in dispute in the attachment and that the dispute was resolved by furnisher which further proves violation of Regulation V, XXXX, XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

THE FOLLOWING INFORMATION IS INACCURATE : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 


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: Credit reporting, credit repair services, or other personal consumer reports

I have a settlement with XXXX XXXX XXXX dated XX/XX/2022. Where they agreed to show the account ( XXXX ) in dispute as paid in full as agreed, and inform all credit agencies of the updated status of the account. In return I would drop my lawsuit against said company. In the agreement XXXX said they would have this done in no more than ( 60 ) days. It as been over a year and all credit agencies are still showing the account. As charge off with a XXXX balance and last payment. I have tried to contact Equifax, XXXX, XXXX by phone and Im told theyre not able to verify my identity. Ive sent several letters via the post office explaining Im as victim of identity along with police reports FTC identity theft report. My ID, SSN card and most recent bill and still they say they not blocked or removed the incorrect information.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts.

1.XXXX bal. {$0.00} 2.XXXX bal. {$0.00} 3.XXXX bal. {$0.00} 4.XXXX  bal. {$890.00} 5.XXXX  bal. {$110.00} 6.XXXX XXXX bal. {$2400.00} 7.XXXX  bal. {$3100.00} 8.XXXX XXXX bal. {$630.00}
Product: Credit reporting

Since XX/XX/XXXX, I have been requesting from Equifax to provide me with written proof of the incorrect information it provided to XXXX when I applied for a credit card. The only response I have received from Equifax has been completely ambiguous and no proof has been yet submitted. The response I received on XX/XX/XXXX, makes no sense at all. It actually does not addressed my request to provide me with the names and accounts of the credit unions past due and too high. I also want to know how Equifax arrived to the determination that my credit score was XXXX. By law, I am entitled to have this information provided to me. Please see attached correspondence I forwarded to Equifax. I also sought assistance from this organization as well, but the issue was never resolved.
Product: Debt collection

Optio Solutions LLC. I had an outstanding balance on a down payment on vehicle. Which was {$10000.00}. I was Told by the collection agent that once I paid the balance down I could settle it by only paying {$5000.00}. I only owe based on the settlement amount {$1300.00} base on the settlement amount the XXXX and I had. I had XXXX back in XX/XX/year> which I did explain to XXXX explained that I would be out of work for a couple of weeks was on XXXX  XXXX. I returned to work back in mid XXXX however my XXXX  XXXX was approved I did not get paid because there was clause in my benefits which prohibited me to get paid while out. I was behind on all my bills. I called XXXX also advised her what was going on. Which I told her I could send documentation regarding my claim. Went back to work to only two months later getting laid off. In XXXX I work for XXXX XXXX and lived on the property where I worked was told I had to move in 7 days. I contact XXXX let her know. I had to get another job and then find a place to stay. I moved in my apartment XX/XX/XXXX. I contact the agency XX/XX/XXXX to speak to XXXX to advise I will now proceed to pay remaining balance off of {$1300.00} I spoke to XXXX who then informed me XXXX did not work in this department any longer that I had to make payment with gentlemen who answer the phone. I advise that would be fine. I get a call by another representative following week stating I had to pay the total remaining balance. I asked to speak to XXXX or XXXX went off hollering screaming on the phone saying I had to the total amount threatening becoming belligerent on the phone advise him not to speak to me in that tone. I want to pay only what I was told I can settle which was the {$5000.00}. I have already paid {$3700.00}. Advise will make payment on the XXXX and the XXXX of XXXX. I wish I never got the loan on the car. I was coerced by the sales team to write a check because I was getting a settlement. My attorney did not get my all the funds for my settlement. I sent them proof of the documentation of that as well. This whole thing has be a nightmare. I have been talked horribly by XXXX.he doesnt let you get a word in he talks over and screams and hollar on the phone. I am not paying anything more. I only paying on the agreed settlement. Which I have a differ of XXXX dollars
Product: Debt collection

IQ DATA INTERNATIONAL is inaccurately reporting on my credit report that {$19000.00} is owed. I have never done business with this company. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Comenity Bank operated a store credit card for Wayfair, Inc. Earlier this year, Comenity was marketing its credit on the Wayfair site offering promotional terms ( no payments until 2021, for example ) to lure customers in. I also signed up and used the card to make purchases on Wayfair 's site. A months later, I received a notice from Comenity that it was closing down the Wayfair store credit card program and a Comenity credit card representative told me check back soon because Comenity would allow us to move the credit amount ( {$2000.00} credit limit in my case ) to another Comenity Store card account that they offer ( such as XXXX ). Later Comenity sent a letter telling that their rep had lied to me about that possibility and that Wayfair customers would NOT be able to transfer the credit limit to another account. But they misled us about closing the account. They would keep the account " open '' for the sake of collecting payments but were revoking the {$2000.00} credit limit. They then reported to the credit bureaus that they had " closed the account due to a settlement or charge-off ''. However, this is false - they did not offer a settlement and are still collecting for the full amount of the debt. Because they lied to the credit bureau, my credit score has plummeted because their actions caused my credit utilization score to rise to 331 %, because they did not in fact offer any sort of settlement on the account. 

I believe that Comenity conspired with Wayfair by offering promotional a payment plan because it knew full well that it intended to close the program down a few months later. This bait and switch program sold a credit card account and offered instead something else entirely - a predatory loan that hurts our credit. Comenity did send a letter confirming that their representatives tell mistruths about the credit card closure, but only offered an apology. Nothing more. There was no settlement offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX 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 an account without my written instruction.
Product: Debt collection

Hello CFPB, Last XXXX  on the XXXX of this month, I sent out an affidavit to Spire Recovery Solutions to notify them that they had violated me. This is all the information I provided them in regards to the violations, along with an invoice for compensation [ {$43000.00} ] & all of the US Codes they violated. 

XXXX : Emailed at XXXX on : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Spire Recovery Solutions tried to contact me through 8 emails over an alleged debt. They are not allowed to contact me, but continued to VIOLATE. 

Phone calls made to my number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Spire Recovery Solutions tried to contact me through multiple phone calls with voicemails included and they also contacted my father, knowing that these are all VIOLATIONS. 
Sidenote : They contacted my father, but I do not have the info for that call. But Spire Recovery Solutions did in FACT contact my father sometime last month by XXXX. 
Multiple numbers were used deceptively in trying to contact me, while harassing me, RELENTLESSLY, at inconvenient times without my consent. 

Different deceptive numbers used trying to contact me with voicemails : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Text messages from Spire Recovery Solutions : XXXX XXXX XXXX XXXX Spire Recovery Solutions texted from XXXX before using deceptive names. 

XXXX XXXX XXXX XXXX Spire Recovery Solutions texted from XXXX before using deceptive names. 

XXXX XXXX XXXX XXXX XXXX deceptively texted me asking if they had the right number. Text from XXXX. 

XXXX XXXX XXXX XXXX XXXX deceptively texted me asking if they had the right number. Texted from XXXX. 


This is how I culminated the affidavit : ALL U.S. CODES BELOW MADE BY CONGRESS PROVE MY FACTS. 
If you have a problem with these codes that protects me ( the consumer ), then happily HARASS congress. 
You have 30 calendar days to pay the invoice Im sending for each violation. {$1000.00} per violation. 
Also, delete this account and stop all communication / collection activities regarding this account.