23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/ applied for disaster assistance forebearance and was approved for damages to my home for XXXX XXXX. Was approved via telephone. was told I would not have to make any mortgage payments for 3 months in forebearance. 

XXXX XXXX XXXX  received notice of breach of contract, wrote a letter requesting documentation on the disaster assistance program. They stated it was cancelled without notification. 

XXXX XXXX XXXX  applied the XXXX and XXXX payments via telephone. 

XXXX  received notice of being late on payments, spoke to customer service, was advised of money being suspense and not being applied to payments. Refusing to reverse any fees associated with account, spoke to supervisor XXXX. Still unresolved. 

This is predatory lending and is a bait and switch by Carrington products to place homeowners in a foreclosure. 

QUALIFICATION FOR ASSISTANCE Carrington customers who have been forced to evacuate their personal residence, or whose homes have been damaged or destroyed as a result of a federally-declared, major natural disaster, can contact us at XXXX, Monday Friday, XXXX XXXX XXXX XXXX to determine if they qualify for any of the following payment relief and other customer accommodations : Waiver of assessments of penalties or late fees Payment deferments Forbearance or repayment plans Suspension of credit reporting to reporting agencies while on a forbearance or repayment plan
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting 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. 

XXXX XXXX, Account Number : XXXX, XXXX XXXX  XXXX, XXXX Account Number XXXX, XXXX XXXX, Account Number XXXX, XXXX XXXX XXXX, Account Number XXXX, XXXX XXXX XXXX, XXXX XXXX, Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX, Account Number : XXXX, XXXX XXXX, Account Number XXXX, XXXX XXXX, Account Number XXXX. XXXX XXXX, Account Number XXXX, XXXX XXXX, Account Number XXXX, XXXX XXXX, Account XXXX, XXXX XXXX, Account Number XXXX, XXXX XXXX, Account XXXX, XXXX XXXX, Account XXXX, XXXX XXXX, Account XXXX XXXX, Account Number XXXX  XXXX, XXXX XXXX, Account number XXXX, XXXX XXXX, Account XXXX, XXXX XXXX, Account XXXX, XXXX XXXX, Account XXXX, XXXX XXXX, Account Number XXXX, XXXX XXXX, XXXX, Account Number XXXX, XXXX XXXX, Account Number XXXX, XXXX Account XXXX : XXXXXXXX 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 items 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

Dear Investigator, Thank you for taking your time to help me resolve this problem. 
Background : Prior to XXXX XXXX - Contacted by fraudster claiming to be XXXX XXXX. They left a message, I did not return the phone call and contacted XXXX, they confirmed it was fraud, I took no further action. 
XX/XX/XXXX - I received a letter from XXXX XXXX  notifying me that a CC application had been submitted with my name and SSN. This was fraud. I contacted XXXX XXXX and they cancelled the request and suggested I call Experian and have a Fraud Alert placed on my credit report. I did as instructed. 
The Problem - There is not a person I was able to speak to at Experian. The automated system is unwieldy, confusing and unhelpful. No matter how hard I tried, I was unable to put a Fraud Alert on my credit report. Instead the automated system put a Freeze on my Credit. I do not want a Freeze on my credit. The automated system gave me pin number very rapidly and the signal broke up. I was unable to write down that number or even hear most of it. I was unable to get the automated system to repeat the number. Now my credit is frozen and I have no way to unfreeze it. 
The Damage - I am not longer a citizen with the right to finance a car, home, education, or short term loan for emergencies or entrepreneurial opportunity. The damage that I have experienced is significant and I see no way to rectify this for the rest of my life if I can not speak to a person at Experian. The credit reporting agencies should be required to have personnel available to answer the phone so that the agencies do not strip citizens of their right to have credit with no fault of the citizen.
Product: Debt collection

I received a call from FBCS XXXX stating I owe a debt previously paid. I stated I would not be paying anything over the phone and require a mailed bill at the address I verified. They refused stating I have ignored previous statements. I have never received any statements. Gentleman started threatening and I hung up.
Product: Checking or savings account

This account was fraudulently opened in my name. When I discovered it, I immediately reported it to the bank and was sent a fraud claim. I was sent a form and sent the form to the bank via email on XX/XX/ provided by their customer service number listed on the claim form. I submitted a complaint after one month with no response and again sent the documentation on XX/XX/ after someone from the bank contacted me to claim they did not receive it. It is now two weeks after submitting the documentation and 2 months after submitting the first time and I still have not received acknowledgement of receipt of information from the bank. They have also sent a letter threatening to impact my credit score because of their inaction.
Product: Debt collection

Rent Recovery is  attempting to collect a debt that I never established a contract with this company. Obtaining documentation or bills as third party or debt collection agency is not legal documentation or a contract that holds me accountable to owe you anything. Furthermore they are in complete violation of the FCRA law by placing this negative item on to my credit reports.
Product: Payday loan

XXXX XXXX XXXX is the bank I use. I had to get XXXX loans to help a my spouse during a crisis and the amount for each has been paid in full but each company still expects me to pay additional money which will triple the original debts. Green Trust Cash will not acknowledge my request to end the account despite not being federally licensed in Georgia where I live, the reason is that they operate under an XXXX Federation Reservation laws. The other, Loan at last is no better but they at least do n't harass me as much.
Product: Debt collection

And theyre constantly sending me mail and regards to this dad that Im not sure of it doesnt seem like it belongs to me and I basically just want it removed from my credit report at this point it seems like its harassment and I cant get in touch with him through phone or by email
Product: Credit card

XXXX XXXX XXXX XXXX XXXX charged interest incorrectly. I had 2 different promotional plan ( without interest ). I paid the first one completely during the grace period and start the second promotional plan before that. They mixed the plans and applied the payments in a wrong way. I tried to pay the first plan completely several times, I call customer services several times, sent emails, but nobody can help. They always applied the payments in a wrong way that I had to pay interest unfairly for a total of {$330.00}. I am requesting this amount that was charge incorrectly to me. Thank you
Product: Credit card or prepaid card

The CC company refused to explain why/how a payment I made was put on hold.

There were 2 payments made to the CC company one day apart.

The amount of the first payment was higher than the second.

For 15 years I never had a returned payment however on this occasion the company " held '' the first, larger amount, of the two payments.

I challenged their action as I needed to understand why : a. A payment had been put on hold b. Why the first, larger amount, had been selected to put on hold and not in the order received.

The response received simply stated it was within the regulations to do so.

Finally, after months trying to extract an explanation of why/how the action was taken, I was instructed not to make further contact as I would no longer receive any response.

Should a copy of the letter from the CC company be required ; please advise and I will locate, scan and email to an address you provide?
Product: Debt collection

THE COMPANY, LVNV FUNDING, LLC, WHO ALLEGEDLY REPRESENTS ANOTHER COMPANY, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 i am A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY APPELLATION is XXXX : XXXX. XXXX5 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection. XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only XXXXne Bureau and that is the Consumer Financial Protection Bureau. 
On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport go give the obligee a right to require payment in gold or particular kind of coin or currency, ... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or particular kind of coin or currency, or in an amount in money policy, and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 
15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX and my account got fraudulent sins XXXX of XXXX  my social security was compromised and I got things on my credit report thats not mines and Ive been trying to dispute with the bureau but no progress
Product: Credit card or prepaid card

I applied in good faith for a XXXX XXXX XXXX amex card XX/XX/2022, Amex denied/declined my application in error. I just received a letter stating that they declined my credit in error. Amex took adverse action against me by not having me exercise my right to credit, credit is a right granted. Amex violated federal Law under the Equal Credit Opportnuity Act, as pusuant to 12CFR 1002.16, I will further escalate the violation to all federal regulators if resolution is not met. 

Eclosed is the letter from Amex and my complaint to attorney general.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 received an email on XX/XX/year> from Ally Bank customer service requesting a phone call from me. I called but reached a recording stating customer service was closed due to weather, and I left a message with my phone number as instructed. On XX/XX/year>, I was locked out of my account when I tried to access it via mobile app. I tried again unsuccessfully and I received emails stating my password change attempt was unsuccessful. I have called numerous times and have reached the same recording regarding weather, and I have not been contacted by Ally Bank. As of XX/XX/year> I can not access my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX 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

Transunion is reporting credit inquires from XXXX XXXX XXXX on my credit report. I am really sick of them putting these fraud inquiries on my report when I have a fraud alert on my report. They are suppose to call me before running credit inquiries per my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several letters to all three credit bureaus to request them to investigate the following items : Transunion Dear Transunion, Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX XXXXXXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : MiscellaneousAndPublicRecord - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Reason : This inquiry was not authorized Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law, unverifiable accounts must be removed. 

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

On XX/XX/2022 I sent a letter for the inaccurate account on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, it should be promptly corrected. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished.Please repair the account and remove the late payments : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : ACCOUNT : XXXX ( XXXX XXXX XXXX  ) ACCOUNT NUMBER : XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation .

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On 06/2023, you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 

I need the transactions reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Deleted from my consumer reports effective immediately. 

Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond to inform me of this, which would be a waste of both our time and resources. 

Further more 15 USC 1666b ( a ) ( 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.

So I need the above transactions deleted from my consumer reports!