23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This complaint serves as formal notice that you have not responded promptly to my previous dispute notice. You instructed me to contact the creditors, which I have done. According to FDCPA 809b, you are required to update these accounts until they are validated. Despite my request for validation, it has not been provided. Please update the following accounts immediately : XXXX : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$9800.00} DEPTEDXXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} DEPTEXXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} XXXXTransUnion : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$9800.00}. As previously stated, under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. Section 1681i ), please reinvestigate and update these disputed accounts. You have fifteen ( 15 ) days from the receipt of this letter to complete these actions, as stipulated by 15 U.S.C. Section 1681i ( 5 ) ( A ), unless you notify me otherwise. Failure to verify within this timeframe constitutes non-verification, and the accounts must be promptly updated in accordance with Section 1681i ( a ). Additionally, in accordance with 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me once the accounts have been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXt 3 accounts ranging dates from XX/XX/XXXX through XX/XX/XXXX have violated my rights. 
- 15 USC 1681 Section 602 states I have the right to privacy.

- 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

- 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; - 15 USC 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 card

I tried to redeem my Discover credit card rewards points toward a gift card online. Each time when I tried to redeem the points, my account got locked. That issue occurred constently for many days ( over one week ). I have called Discover for more than 20 times for this issue, but the issue could not be resolved. I have talked with representatives from the front-line support team, the web support team, the tech support team, and the security department XXXX No one could solve the issue for me. To make things worse, different people told me very different things. One representative said that since the system did not allow me to redeem the rewards points, just did not redeem it. Another representative said that he had reported this issue to the central office of Discover and I needed to wait for 36 hours and then all things would be just fine. I have waited for over one week, and the issue is still there. Another representative said that this was not a technological issue but a security issue and that I needed to talk with the security department. I talked with the security department, and they said this is not a security issue and the only people who could deal with it is the tech support team. Another representative from the security department said that this was indeed a security issue but they could not resolve it. The last representative said that the only option for me is keeping redeeming the points until it finally work. Well, I have already tried that for more than 50 time, and my account got locked each time.
Product: Debt collection

XX/XX/2017 {$390.00} Contacted about the amount, should have been covered by insurance.
Product: Money transfer, virtual currency, or money service

My account had been hacked several times as I requested an investigation and to be refunded my money as this did not happen I request proper action be taken.
Product: Vehicle loan or lease

In XXXX of XXXX, I bought a used car with the lender called XXXX  XXXX and paid my car note on time on the 3rd of every month. On XX/XX/XXXX of XXXX, I bought a brand new XXXX XXXX. The salesman at XXXX told me not to pay my car note to XXXX XXXX because since I was trading my old car in, XXXX XXXX would be buying out my previous lender. XXXX XXXX continued to call me so I spoke with someone and explained that I traded in the vehicle. They told me that they didnt receive word of anything and that I needed to contact XXXX. I called XXXX and they assured me that everything was fine. I then noticed on my credit report that my XXXX  XXXX account had finally been closed on XX/XX/XXXX of XXXX with a 30 day late delinquency, which dropped my score 40 points. I have never been late a payment and they stated that my late payment was the month I didnt own the car. I disputed this twice with transunion, only to be told that it was accurate. I then called XXXX XXXX myself and was told that what I was supposed to do, was pay for the car I no longer had until the account was closed. I had no knowledge of this even after speaking with someone prior from the company. They told me that they had trouble calling my cell phone. I have an email address and a physical address with the company so I dont understand why phone was the only way they tried to contact me. I was never told that I had to keep paying even if I didnt have the car. I never had a late payment so why would I pay late the very last month?
Product: Mortgage

I was on a forbearance plan, I bought myself completely current and told customer service to take me off the forbearance XX/XX/2021. 
They told me it takes 24 hours. As of today I am still current on my payments, working and still on the forbearance. I want Amerihome Mortgage Company to stop reporting the wrong information on my loan. Please put my account back into good standing and most of all release me from the forbearance plan as of the day my account was paid and current.
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. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Mortgage

We have had a home equity account with Wells Fargo since XXXX. The 10 year period of the account is over in XXXX of XXXX. I spoke to a representative in XXXX about wanting to know what were Wells Fargo 's programs that I could possibly use to change my Home Equity account into when the 10 year period was up. I told the rep I wanted to know what all the fees and rates were. He said the only way I could get that was to sign a paper he would send me basically agreeing not to take anymore money from the home equity account. I was n't intending to take any more money from the acct so when I received the letter in the mail that clearly states " Request To Terminate Future Advances ( Home Equity Line of Credit '' and nothing else on this sheet of paper my wife and I signed it. XXXX3 weeks later we get a letter from Wells Fargo that our Home Equity Line of Credit XXXX XXXX XXXX was changed to a 15 year fixed rate mortgage at a 4.8 % rate with a monthly payment of almost {$2900.00}. We are XXXX retired and our fixed income comes no where near being able to afford this. We immediately called Wells Fargo and larged a complaint. We were told that we had agreed to a 15 year fixed rate mortgage during my conversation on the phone. I asked to hear the conversation that was supposedly recorded by them and they refused. I would never agreed to a 15 year fixed rate mortgage that I ca n't afford and the fact at the time I still had 6 months left on my Home Equity Account where I was paying {$1300.00}. Why would I agree to pay {$2900.00} rather than {$1300.00}?? 
Since that time I have had my complaint reviewed by Wells Fargo and they still insist I gave them a verbal OK to switch to a 15 Year fixed rate mortgage, WHICH I DID NOT!!!! 
I have refused to pay the new 15 year fixed rate mortgage monthly amount of {$2900.00} for the last three months, my credit rating continues to go down and no other bank will give me a loan because I am now behind on the 15 year mortgage that I was put into without my approval.
Product: Credit card or prepaid card

I was on the Amazon App shopping. Applied for line of credit to get a credit and the total sum would be {$200.00}. The application said I got denied but then got stuck and later i got emails saying I was approved. I got the credit card in mail XXXX XXXX XXXX account. But the emails was coming from Synchrony. I went to Synchrony email and website to register the card I got in the mail and said it didn't register in the system. XXXX is not showing the transaction from that card that was received. XXXX has bo record of that amount. Amazon has no clue and routes to speak with Synchrony and XXXX to find out issue and both XXXX and Synchrony also dont show the transaction. Transaction is on and or around XX/XX/2019. {$200.00}. Synchrony is charging me for a bill of over {$300.00} and I'm trying to resolve this but the Financial Institutions have no record of the transaction and I dont want this to affect my Credit At ALL if this does not get paid on time or in general.
Product: Debt collection

It is my job to hold you in compliance with the Fair Credit Reporting Act however it is still my responsibility to make sure every item is reporting accurately so that my credit report is fair and equitable to me, so take notice! Initially I was writing to you to challenge you to verify the validity of the accounts listed below, but then I came across a publication on the IRS website in which the IRS defines a charge off as gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of the following accounts inaccurate! Onemain FinancialXXXX XXXX Pursuant 15 usc 1666d- whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction, the creditor shall refund any part of the amount remaining credit balance and make good faith effort to refund to the consumer by cash, check or money order.Onemain Financial- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Have an item on my credit report from company that is not mine.have requested documents and nothing received from company or credit bureau. The credit bureau refuses to allow me the option to upload any documents online. They cont to close with no proof
Product: Credit card

I've consistently ensured that payments on this account are made on time, never allowing them to be overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Bank account or service

Complaint about use of excessive exchange rate for international wire transfer!! 
This is regarding a wire transfer to a ( my ) international ( XXXX ) bank account. In addition to a fee of US {$35.00}, BoA uses an exchange rate US Dollar/XXXX of XXXX, which appears excessive given the actual traded exchange rate of about XXXX. 
Info of wire transfer is as follows : Transfer Date : XX/XX/2015Confirmation number : XXXXOrder number : XXXXFrom : Adv Tiered Interest Chkg - XXXX : XXXX : ( XXXX XXXX XXXX ) Transfer Amount : XXXX XXXX. 

Thank you!!
Product: Debt collection

Accts in question : *PORTFOLIO RECOVERY A ( acct XXXX ) {$580.00} XXXX XXXX XXXX ( acct XXXX ) {$700.00} I have never done business with PORTFOLIO RECOVERY A nor XXXX XXXX XXXX I am showing 2 accounts for which I am requesting debt validation to include the following : What the money you say I owe is for? 
Explain and show me how you calculated what you say I owe? 
Provide me with copies of documents that show I agreed to pay what you say I owe? 
Prove the Statute of Limitations has not expired on this account?

Show me that you are licensed to collect in my state?

Provide me with your license numbers and Registered Agent or Agent of Service?

please note, a copy of any bill does not VALIDATE the debt thats being reported. This reporting has caused me tremendous grief in my attempt to purchase a home. I need this fixed immediately. i will need all document requested above at this is my 3rd time requesting information from each of the companies.
Product: Credit card or prepaid card

In or about XX/XX/2019, I notice credit was established under my name without my approval. I contested this account with the credit bureaus and the creditor stated that this account is valid. I provided the creditor a notarized affidavit and XXXX Police complaint that this account was fraudulently established under my name. But, the creditor rejected the documents. The creditor is not supporting me in this matter and it is getting quite frustrating that my life has been compromise and no matter what I do administratively, it has been denied. I want to escalate matter to show a least a face to the XXXX Police and I requested the creditor to provide identifying information from the creditor so, I can see who established the account and that information was not provided. I was informed from the agent that, my name, social security number, date of birth and address is all what is needed. Photo identification is not required to open this account. I can not afford attorney and I can not represent myself in this matter in court. We conclude that our mail box was compromise and while we are at work the culprit check our mail boxes for the cards and had our information to active the cards. Since then, I had place fraud alerts with all the credit bureaus that requires ID verification.
Product: Mortgage

My home has been in pre-foreclosure since XXXX 2014 because of the situation my estranged husband put me in. I am a victim of financial abuse and have been working with several government agencies to recover from the economic burden he has left me and my XXXX small children with. The concern I have with the current mortgage company is the time frame that this pre-foreclosure process has taken and we still have not even had an underwriter give me any options to keep the house. They keep asking for more, and more and more. Anytime there has been a request I have given it to them in a VERY timeley fashion. I feel as though I am being drug through the mud so that I am forced to give up the house and walk away just by there tactics of wearing me down and draining all of my free time getting them silly documents and then they never received the first ones so i have to XXXX or fax them all over. I have very good notes of all they have put me thru, it actually fills an entire brown grocery bag. Please help me to get to the end of this lenghty process and hold them accountable for the time they have drug this out. I need a roof over me and my kids heads and at the time this started all government programs were full and could not help me. I am now going back and asking them for help since this has been a complete nightmare trying to XXXX, care for XXXX kids and give this bank all my free time to get nowhere.
Product: Credit card

Capital One charged off my credit card and didn't send me a 1099C and it is still reported on my credit report and its not accurate!
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXXXXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

I recognize your quick regard for BLOCK or REMOVE these ADDRESSES, NAMES, ACOOUNTS and reaction inside 4 work days Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

i had filled i d theft reports with transunion XXXX and XXXX they claimed that all accounts were proven to be mine with no verification of how these accounts were verified and refuse to remove all accounts listed XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX  XXXX Account # xxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account # xxxxxxxxxx XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account # xxxxxxxxxxxx XXXX all accounts should be deleted
Product: Prepaid card

I received a Citi bank Visa pre paid visa card as a rebate from XXXX XXXX. The card had an extremely short expiration date of 6 months. The funds in the account were removed once past the expiration date. Per Federal Regulations I believe the card should not have had an expriation date under 5 years. I have contacted Citi bank who refuses to re instate the funds.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX XXXX XXXX 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

Had fraud on my account, received notice that they issued permanent credits, then they debited the same credits from my account without any notice and zero explanation. I have talked to 8 people who do not understand why either. 

Amounts include {$4200.00}, {$900.00}, and {$81.00} all credited on XX/XX/22 I have called them today, XX/XX/22, to gather reasons why as the funds were debited, 8 reps could not tell me why, they had zero answers other than we will need to investigate why as all we see is permanent credits issued on XX/XX/22 with the documentation sent to you that it was credited to you.
Product: Debt collection

LVNV FUNDING LLC Has reported to the 3 major credit bureaus that I have in collections 2 accounts with 2 different amounts and stating that they were opened on 2 different dates. One is alleged to have been opened on XX/XX/2021 with the amount of XXXX past due, and the other is stated to have been opened on XX/XX/2021 with the amount of XXXX past due. And both theses debts refer to the same card issued by XXXX XXXX XXXX. Neither account is correct. There were not 2 different debts owe on the 1 card.
Product: Debt collection

Re : Failure To Provide Debt Itemization Statement / Verification Documents To Whom It May Concern : This complaint is response to a conversation had with a XXXX XXXX representative on XX/XX/XXXX. XXXX XXXX has consistently failed to give an explanation of conflicting information concerning an alleged debt in the amount of {$860.00} placed on my credit report. 

I was provided two reasons by XXXX XXXX as to why the alleged debt was placed on my credit report as follows : 1 ) I am responsible for interest charges incurred from GAP insurance coverage 2 ) Auto loan payments were due post verification of total loss claim I was told by the XXXX  representative the GAP insurance coverage was contingent upon receiving the police report substantiating the total loss of vehicle. The police report was submitted via fax the next day after the vehicle was recovered in irreparable condition in XX/XX/XXXX. 

I was told by a XXXX representative at that time the GAP insurance coverage was in effect and that no further payment on my auto loan was necessary. Please note at no time in my correspondence with XXXX during this on going matter was I told the debt was the result of failure to pay interest on my GAP insurance until XX/XX/XXXX. 

I contend I do not owe XXXX XXXX the alleged debt in the amount of {$860.00}. I have kept detailed record of XXXX XXXX XXXX  repeated failure to provide an itemized record of the alleged debt. It is my contention that XXXX XXXX XXXX willful neglect of properly giving this matter the attention it deserves over a three year period has unfairly hurt my credit rating violating the following : Falsely representing the amount of the alleged debt and therefore violating FDCPA 15 USC 1692e ( 2 ) ( A ).

Failing to accurately report information on my credit report, thereby violating the FCRA [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. 

Based on XXXX XXXX XXXX own records your company is in fact alleging the debt is the result of interest incurred by GAP insurance. I am well within my legal rights to request specific documentation that would be pertinent to the alleged debt your company claims I owe.