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

On XX/XX/19, we paid off the balances on our credit cards. Our XXXX Chase card had a {$2000.00} balance that we paid in full. On XX/XX/19, we logged into our account to update our travel preferences since we would be traveling and did not want to be alerted for fraud. Upon logging into our dashboard, we saw that Chase had increased our credit limit to {$4000.00}. My husband and I will both attest to this, under oath, that we both saw the credit increase reflected on this account. 

On XX/XX/19, we logged back into the account to pay off the card again for the spending that we did while traveling. Upon logging in, we noticed that Chase decreased our limit back to the original amount of {$2000.00}. 

We called Chase on XX/XX/19, and was told we would need to speak to the fraud department, who transferred us again to the limit department, and was disconnected since their office was closed. We called Chase again on XX/XX/19, and was told that our credit limit was never increased. 

We have experienced multiple egregious errors with Chase before, from not canceling a stolen credit card despite it being reported stolen, and the card subsequently having charges on the account. We have also logged into our account to find that we are not able to gain access to any of our accounts due to the " information not being available ''. We have 2 car loans, 1 credit card and a checking/saving account with Chase. 

We want a full investigation into why our credit limit was increased and decreased within a span of 2 days. We do not believe Chase when they said that it was never increased. My husband and I are both willing to provide declarations of our testimony as to what we witnessed when we logged into our account and saw the credit limit increase on XX/XX/19.
Product: Mortgage

I paid my mortgage payment to 21st mortgage on XX/XX/XXXX. i have the confirmation number also. with XXXX XXXX  XXXX XXXX nc. so i call monday to tell them on the XXXX, XXXX mortgage, that the bank closed my account on the XXXX and that the payment might get kicked back. so XXXX said he would give me a courtesy call on the XXXX of this week. so he called me around XXXX XXXX  est. he asked what was going on with the payment and that it got kicked back. i tried to explain to him what happened, that the bank closed the account and processed another payment ahead of theirs that was paid around the XXXX. he kept getting nasty with me and then he put his supervisor on the phone. she was literally hounding me about the payment. and saying she finds it strange that the bank closed out my account for no reason. i told her im a XXXX vet and i dont need this. and she was rude and nasty to me too. i dont need this. im a veteran and i fought for this country. i called and found out from the bank that XXXX waited until the XXXX to pull the payment after the other payment processed and put my account in the negative and got my account closed. i told XXXX im going to report them. he was like who are you going to report us to XXXX XXXX. who are you going to report us to. ok, i got you. i will report you to the news media and the va for this
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against PRO COLLECT Agency for their violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ).

PRO COLLECT Agency has failed to provide me with the required validation information as outlined in 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, the agency has placed a collection on my consumer report, preventing me from the opportunity to dispute the account as stipulated in 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

Furthermore, PRO COLLECT Agency has engaged in false, misleading, and deceptive practices in their collection efforts. The agency has no authority to furnish any account to a consumer reporting agency without providing all necessary disclosures required by law, in clear violation of 12 CFR 1006.344 ( d ) and 15 U.S.C. 1681-s 2 ( 7 ) ( A ).

I am disputing any and all debts owed to PRO COLLECT Agency and revoking their right to communicate with me via email, text, or phone calls. I am requesting the following : Debt Validation and Verification : Please provide me with proof of the debt, including the original creditor 's name, the amount owed, and the date the debt was incurred.

Purchase Agreement : Please furnish a copy of the purchase agreement between PRO COLLECT Agency and the original creditor.

Licensing and Bonding Information : Please provide proof that PRO COLLECT Agency is licensed and bonded to operate as a debt collection agency.

I believe that PRO COLLECT Agency 's actions have violated my consumer rights and I am seeking appropriate remedies. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Aargon Agency Inc. for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 
This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Aargon Agency Inc., can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Aargon Agency Inc., continues its collection efforts, I will file for litigation for actual damages caused and Aargon Agency Inc., shall be liable for violations of XXXX XXXX, XXXX, XXXX, the XXXX XXXX XXXX, XXXX Act, XXXX XXXX XXXX FTC XXXX and XXXX Act. 
Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY EXPERIAN CREDIT REPORT THE ACCOUNT FOR XXXX ACCOUNT NUMBER XXXX THIS ACCOUNT WAS OPEN INXX/XX/XXXX AND I STOPPED MAKING MY CABLE PAYMENT TO THEM IN XX/XX/ DUE TO THE FACT THAT I HAVE MOVED AND I WAS UNABLE TO GET XXXX ON WERE I LIVED. THIS ACCOUNT IS REPORTING UNDER MY BANKRUPTCY AND DISCHARGE ON MY EXPERIAN CREDIT REPORT. THE ISSUE I AM HAVING IS IT REPORTING THE WRONG DATE AND YEAR WHEN I BECAME LATE. IT SHOWING XX/XX/ IT SHOULD SHOW XX/XX/XXXXON MY EXPERIAN CREDIT REPORT IS SHOW SHOW FIRST REPORT XX/XX/ NOT XX/XX/
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX and XXXX XXXX XXXX, XXXX Violation of FDCPA and FCRA XXXX sold a debt to XXXX XXXX XXXX, XXXX. XXXX XXXX changed the account number and used XXXX 's name to report the debt to the XXXX credit bureaus. I paid off the balance in XXXX, and the balance should be XXXX ( see attachment ). 

I made multiple phone complaints to XXXX XXXX, XXXX about their deceptive practices and harassment in debt collection. I also filed multiple complaints with the three credit bureaus against XXXX XXXX : XXXX XXXX XXXX, XXXX ( account number : XXXX ) engaged in identity theft, violating the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX, XXXX wrote a letter requesting XXXX XXXX to delete this account ( see attachment ). 

In XXXX and XXXX, my loan officer and I contacted four departments of XXXX XXXXXXXX. They couldn't locate the account XXXX using my phone number and social security number and directed us to file complaints with the credit bureaus to delete the account. The result was that XXXX changed my account number from XXXX to XXXX and altered the balance to {$2000.00}. They only closed the account without deleting it, which has continuously affected my credit score and credit utilization rate, reaching XXXX %. This has completely hindered my ability to refinance my home loan since XXXX. On XX/XX/XXXX, I called XXXX XXXX again to complain and was told to call a fraudulent number ( XXXX ), which turned out to be an advertisement number. 

I filed a complaint with CFPB and reported to FTC, requesting XXXX  XXXX to immediately delete the account from the three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2020, and XX/XX/2020. There was an error on their part. I was never 30 days late twice.
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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 card

I've consistently made timely payments on this account, preventing them from becoming overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Debt collection

The debts attached to my social security number were not made by me. I have never opened a credit card in my name and have never been able to because of these debts. The dates these were originally opened were before I was of the age of XXXX, and legally allowed to open a card in my name. I only found out about these a while ago and have been trying to dispute this clear identity theft. The only accounts I have opened were loan accounts for student loans and XXXX. I have begun to or paid off anything that is mine and made with my knowledge and always will. Anything else is not my responsibility and never has been! Many of the addresses on the accounts are incorrect. My Date of birth is also incorrect as I was born in XXXX and accounts state I was born XXXX which my Id and birth certificate can both prove I was not.
Product: Credit reporting or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX To whom this may concern. 

I recently received a copy of my XXXX XXXX and Transunion credit report and I noticed some late payments posted on my credit report. 

Account Name : XXXX XXXX ACCOUNT NUMBER : XXXX Your company is in clear violation of the law .15 U.S.C. 1681b, Permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of XXXX whom it relates. 

Did I give you written instructions to report this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C 1581a ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between XXXX thepersonmaking the report ; Delete the above account from my credit report. This agency is in violation of 15 U.S.C 1681a. 
Failure to response I would take legal actions under 15 U.S.C 1681n Seeking a {$1000.00} for each Violation.
Product: Credit card or prepaid card

On XXXX XXXX, 2022, I contacted Citibank Shop Your Way credit card regarding the reward that was promised when I signed up for their offer : XXXX. 
A summary of Citibanks response ( Slide 1 ) is shown below : Offer : You can earn 10 % in a statement credit ( up to a total of {$90.00} ) on eligible online purchases which total {$700.00} or more each month from XX/XX/2022 ( or the date the offer is activated, Our record indicates that y0u activated the below offer on XX/XX/2022 Eligible purchases made prior to activation will not be eligible. 
Our record indicates that you did not qualify due to fail to meet spend hurdle. the total eligible spend was {$150.00} during the period of XX/XX/2022 06/30/2022.. 

In different communications on XXXX XXXX, I told Citibank that my total expenditures during the promotional period were above their minimum requirement. In fact, between XXXX.2022-XXXX.2022, I spent {$2300.00} ( Slides 2-4 ) well over the {$700.00} spend hurdle. 
I spent money in national grocery ( XXXX XXXX and pharmacy ( XXXX ) XXXX, fast food restaurants ( XXXX ) XXXX casual restaurants, doctors office, etc. and none of those transactions were considered. They only considered the purchase at XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I ordered a product for brush control in the amount of {$78.00} ( Total charged to my Pay Pal account {$84.00} ( including {$6.00} fee ). I never received a confirmation of my order, so I contacted Pay Pal and filed a dispute. They claim the money was refunded, but it is not yet reflected on my account.

Instead of processing my order, the vendor treated it like a money transfer using my account. Here is the information I have on the vendor : Case ID : XXXX Disputed amount : {$78.00} USD Seller info : XXXX Date reported : XX/XX/2022 Pay Pal has failed to communicate further with me about this. I have attempted to contact them.
Product: Debt collection

Receiving multiple repetitious collection calls from collection agency on my sons account that is in collections with XXXX XXXX XXXX XXXX. Called me XXXX/XXXX/16 at 4 separate times from XXXX different numbers XXXX and XXXX between XXXX and XXXX. On all 4 calls received during that 8 minute period, no messages were left requesting a call back. 4 calls from a collection agency in 8 minutes is collection harassment. Especially since no messages were left. In addition, this collection account is actually in my sons name, but he did approve for me to speak the them on his behalf. I spoke with them 2 days in a row in attempt to resolve the collection account balance, but there is no need to continuously make harassing repetitious phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent Transunion a dispute letter letting them known that they have several things reporting incorrectly on my credit report. The errors that I found : Wrong creditor listed, the open date has been changed in an attempt to re-age the account, statue of limitation has expired on the debt, and the date of last activity is incorrect. They show that XXXX XXXX has the account but i received a letter from a company named XXXX XXXX, stating they have the account. I would like to file a formal compliant on Transunion. They did not do a proper investigation on this account. Transunion is still reporting inaccurate information on my credit file. Below I have attached a copy of what I was sent from the creditor when I tried to validate the account. And I have attached the last dispute letter I sent Transunion along with a screen shot of how transunion is still reporting this account as XXXX XXXX as the holder of the account.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXXHARLEY DAVIDSON CR XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or HARLEY DAVIDSON 's customer service representative.
Product: Mortgage

I lost my home XX/XX/XXXX during the recession when at the request of Wells Fargo I filed a Deen in Lieu. I could not get a job paying enough for my payment and Wells Fargo sent me a payment modification trial offer and I made the agreed payments on time, I was working but temp jobs like XXXX Census that didn't pay enough for my regular payment. Then they denied the modification and put me in foreclosure. I know I complied with everything and they would not give me a reason that they denied it. 
Then they offered me {$3000.00} to do a Deed in Lieu, so I agreed to that and did the Deed in Lieu but they did not pay me the {$3000.00}. I filed a complaint, and I do have have the documentation that they received it, and they said they would do an Independent Foreclosure Review but nothing ever happened. It was a terrible time in my life and I had to move in with my son. Suddenly in the beginning of this year, I got a check from the for {$200.00} and letter saying they may have made a mistake denying my modification. I called them right away but just got shuffled around to different people. I finally found out it was being handled by XXXX XXXX XXXX, they won't give their last names or email, and she will not call me back. She sent a letter and said they did nothing wrong and if I disagreed to fax her documentation from over 12 years ago. It took me awhile but I found a lot of documentation and faxed it to her, but she still will not call. Please look into it. I did the best I could to recover from it, but it took years and years. When I got the {$200.00} check I just started crying to think I could still be in that home I loved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was called from a blocked number on XX/XX/XXXX threatening that I would be served with " papers '' about a debt if I did not call in 24 hours. They left me a phone number of XXXX. They also called my mother 's home with the same threats against me. Leaving the phone number of XXXX. That number belonging to XXXX XXXX XXXX XXXX, XXXX. 
On XX/XX/XXXX I answered the call from blocked number and spoke with XXXX XXXX. Mr. XXXX informed me that he is with the county, and he was to serve me with " papers ''. I asked Mr. XXXX to verify what county he was with, but he refused to give me that information, replying, " What does it matter? '' He then provided me with a phone number to call. When I called XXXX, I began speaking with a women that did not identify herself or her company. I asked her what their calls to me were regarding. She stated that I was being charged to attempt to " Defraud a Financial Institution '' and " Theft of Goods and Services ''. I asked her on what grounds, and she referenced a Capital One Card that had be paid and closed in XX/XX/XXXX. I informed the women that that account was paid and closed on that date, and referenced the case number in Missouri XXXX. 
She responded that it did not matter and I was still being charged in XXXX XXXX County. Further search of Missouri XXXX shows no open cases again me. I asked her for verification of the debt, and she stated that I was sent something in XX/XX/XXXX, but they would not provide me with any evidence of the account or the mailing they allegedly sent. 
She again warned me that I was being charged and I asked her to not contact me again.
Product: Mortgage

Notice of Transfer of Mortgage loan was not provided in a timely manner. 
Transfer occurred XX/XX/XXXX Notice occurred XX/XX/XXXX
Product: Credit card or prepaid card

I sent a payment thru the mail and When they processed it They Withdraw {$380.00} and That emptied out my checking account!! I contacted the customer service number and I was told Their expedited my refund in one to two business days!! I spoke to supervisor everyday!!! When that happened to me I started calling back every day and getting the same answer it's been taken care of!! Finally it was processed on the Third Day with the Stipulation that now I have to wait another one to two business days!! So on the Fifth day I contacted Executive office and spoke with associate and they said they would investigation because I owed family for over draft protect of {$300.00}!! I owe co-workers money for gas to go to work!! I needed {$100.00} for life savings medicine!! Ten days later I get refunded for the wrong transaction of my payment!! The associate contact me stating she would handle the extra money I had to acquire because my checking account has been emptied out!! No one has made any progress to pay back my extra expenses because of the company mistake!! I have written to the CEO of the company and theirs been no response yet?? I need someone help with this unwanted financial Burdens!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, TRANSUNION All 3 credit  reporting agencies are not providing easy ways to manage credit freeze thaw process : websites not working phone in systems not working or no phone number provided to call