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

Dear Regulatory Agency, This is Actual and Constructive Notice that the credit reporting procedure being used in this matter against me as a consumer by the XXXX national consumer reporting agencies is defective and in fact is evidence of identity theft as defined in the Fair Credit Reporting Act. 

I have tried numerous times over the past couple of months to get remedy myself through sending letters to the customer service dept of each corporation, ( XXXX, XXXX, Experian ) but it is evident that these companies believe that they are too big to fail, and they do not have to abide by Federal Law. 

I have attached an updated copy of my dispute to this complaint in hopes that this will get the companies attention and show them that I am in fact serious. This paper trail that I am building will lead us directly to court if they choose to keep willfully noncomplying with federal law. 

I have received letters from each of these companies basically gloating in my face as if they have the right to continue to report something I am stating is identity theft and inaccurately reporting without permissible purposes. 


Please see attached for more details.
Product: Credit card or prepaid card

i've had auto-pay enabled on my Cash Rewards credit card from BoA, where I also have a checking and savings account. On XX/XX/2020 a late payment was reported on my credit report due to the failure of the auto-pay system. I did not notice this failure on time because previously it never had an issue. I am attaching the auto-pay logs. 
In XX/XX/2020 I called the local BoA branch and scheduled an appointment to address the issue. The customer representative explained to me that it is not a problem and the record will eventually be removed from my credit report. It has not happened yet, and the late payment is affecting my credit score.
Product: Student loan

I pay my student loan monthly via auto debit. In XXXX my payment of {$190.00} was allocated, {$110.00} to interest and {$88.00} to principal. Between XXXX and XXXX, my student loans were transferred to Mohela 's new servicing platform. In XXXX my payment of {$190.00} was allocated, {$110.00} to interest and {$81.00} to principal. THEN, I made 3 more additional payments totaling {$900.00} during the month of XXXX. Of the {$900.00}, {$93.00} was allocated to interest and {$800.00} to principal. With the 4 payments applied in XXXX This totals {$210.00} applied to interest. How is it possible that in a normal month, {$110.00} satisfied the accrued interest but when I made extra payments the accrued interest essentially doubled. I have asked Mohela to provide an amortization schedule so I can see how they calculated these interest accruals. I understand interest accrues daily and every payment will go towards some interest, but this just doesn't seem correct. 

Also, the website gives the option to allocate the payments to specific loans per the customer, but then the website will not allow your allocation and allocates the payment how it seems fit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its has been since XXXX of XXXX to current, I have sent individual FCRA Section 604 letters out to dispute and request written evidence of specific hard inquiries and FRAUDULENT/INACCURATE Accounts on all the Credit report to XXXX. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Accounts, INACCURATE Accounts, and Inquirys in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau XXXX XXXX. Below are the detailed Unauthorized FRAUDULENT/INACCURATE Account and Unauthorized FRAUDULENT Inquiries I asked to have investigated in early XX/XX/XXXX to Current days date. Unauthorized FRAUDULENT/INACCURATE Accounts XXXX. XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Unauthorized Inquiries TRANSUNION XXXX DATE XX/XX/XXXX. Please verify these credit inquires that pulled/ viewed my credit without my permission. Within XXXX business days in compliance with FCRA. TRANSUNION AND XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX  XXXX XXXX : {$0.00}, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Checking or savings account

An unsigned check # XXXX in the amount of {$9100.00} was cashed on XXXX XXXX. 

I caught the mistake in XX/XX/XXXX and contacted Etrade. They originally did not agree to help me but eventually transferred the fund into my account on XX/XX/XXXX after I escalated the case. 

However, they transferred the fund out of my account on XX/XX/XXXX and are not cooperating with me to reach a satisfactory outcome. ( The agent I spoke with on the phone said he would call me back with an investigation outcome. However, a few days after we spoke, I noticed a note on my account stating that the investigation is complete and I received no phone call. ) XX/XX/XXXX - unsigned check ( {$9100.00} ) cashed. 
XX/XX/XXXX- Etrade transferred {$9100.00} back into my account after my call alerting them of the situation. 
XX/XX/XXXX- Etrade transferred {$9100.00} out of my account. 


Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I My Experian Credit report missed two addresses first lived from XXXX to XXXX and second from XXXX to XXXX, ( and too many many of the same address I had rented for a short period of time a bedroom only for 3 months XXXX XXXX XXXX repeated as my residence ) ... I followed directives sending ID documentation along with a typed printout of my addresses in chronological order to as advised to : Experian XXXX XXXX XXXX, XXXX TX XXXX that was returned " Return To Sender No Such Number Unable to Forward ''. 

Furthermore, my attempt to generate a credit report via Experian, I got twice the notification it would not recognize my profile no such information credit report ( my correct SSN, Addresses, Name, DOB were entered ), and unrecognized ... That is a HUGE concern and red flag. 

Please advise if there should be a different address for Experian I should forward my documentation and request to fix any discrepancies for my credit report.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : 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 reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud
Product: Mortgage

Hello CFPB team, Since both myself and my husband are out of work due to the Covid-19, I wanted to get a deferment from Mr. Cooper. I tried contacting them by the website, phone, and the app on XX/XX/XXXX, to no avail. I finally got an answer via their XXXX  page. They said that they would look into options. They sent me a letter on XXXX stating that I have been put into a forebearance. As you know, a forebearance does nothing but push the mortgage back and then you have to pay a lump sum. This happened a lot during the 2008 recession, that is why many lost their homes. They told me that I have 3 months forebearance, then pay it all in XXXX. How can we do that when we are not working? We have paid each month of 15 years on time. Other mortgage lenders are offering deferments, why don't they? I would like a deferment please. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I initiated contact with XXXX in early XXXX, leaving a voicemail message and sending a follow-up email. He mailed me a statement to my residence. I am formally requesting the final payment date as recorded by Wells Fargo. I have concerns that Wells Fargo may be in violation of the Fair Debt Collection Practices Act ( FDCPA ) by altering payment dates. I have not received any communication from Wells Fargo regarding this matter. I request that this account be removed from all of my credit reports. XXXX and Wells Fargo ghosted me.
Product: Checking or savings account

I just got my account close. For suspicious fraud and I have money there to pay my rent and they don't want a give it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several phone calls and send several letters disputing inquiries that I did not authorize. For the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX last letter I send they responded back on XXXX XXXX in which they ignored my letter. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights. Equifax has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature an inquiry in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered today and last week that when calling TransUnion or XXXX or XXXX these creditors talk as if they are confused about their job purposely this purpose dizzy conversation holds me on the phone until the civilians come and use my information to tap into my phone I've paid one of the civilians to learn that they have my full information filing loans I went opportune and canceled One loan today two individuals male and female came as a TransUnion employee held me on the phone talking as if she didn't understand when I gave a full clear understanding over and over this resulted in my Wi-Fi coming on my Bluetooth coming on and the phone being disconnected and me having to call back and give my information again in public there is employees on the inside working with civilians on the outside I experienced this more than once
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Date opened XXXX XXXX amount, original balance {$1300.00}, current balance {$1300.00}. I HAVE NOT SUPPLIED PROOF UNDER THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Trans Union and XXXX Dear XXXX, I am writing to request that you remove the following information from my credit report due to lack of proof of debt : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested proof of debt from the creditor and have not received it within the required five days. According to the Fair Credit Reporting Act ( FCRA ), if a creditor does not provide sufficient proof of debt within five days of your request, they are not allowed to continue pursuing you for the debt. That includes listing the debt on your credit report. Therefore, I am requesting that this information be removed from my credit report immediately. 
If this information is not removed from my credit report within 30 days of receipt of this letter, I will be forced to take legal action against you for violating my rights under the FCRA. 
Thank you for your prompt attention to this matter. 

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

for 20 years this company transunion will not give me my credit report or score and I have wrote them over 100 times I have done everything in my power and this company keeps reporting XXXX and false information I have asked them numerous times to many times to count to prove these medical bills are mine and they just ignore me .I am to the point of legal action and everything I goto get my credit report or score they refuse now with the pandemic they showed me the report but will not allow me to dispute the XXXX they have of another medical bill so I have had to write them and call them again after asking for proof they ignore me I have had government health insurance for over 20 years that pays everything so again these are made up false accounts they need to Stop reporting false information I am so tired of these big company 's being able to ruin your life over false information I want you to show me my signature on this account that I gave permission for services? and go by the fair credit reporting act stop reporting false information
Product: Debt collection

Convergent Outsourcing XXXX is charging me for an account I have no knowledge of for {$820.00} I have disputed this account several times, called XXXX and XXXX as directed by credit bureaus, and am told there is no such account found but they're answering the disputes as accurate. When in fact XXXX in XXXX of XXXX put an account on my credit for {$250.00} for a supposed phone bill and removed it realizing their mistake. The XXXX should be taken off as well if there is no such account found when I call them. But it remains hendering my credit.
Product: Credit card

For my Citibank issued XXXX XXXX XXXX, I recently made a additional payment on XX/XX/year> which was above the minimum payment due and the additional payment was not applied to a higher interest rate balance as required by law.
Product: Checking or savings account

On XXXX/XXXX/XXXX I opened Discover Savings account number XXXX. At the time there was an offer for a {$200.00} bonus if the account was funded with {$20000.00}. The terms of the offer read : " Apply for your first Discover Online Savings Account by XXXX/XXXX/XXXX. Enter offer code XXXX when applying. Deposit a total of at least {$15000.00} into your account by XXXX/XXXX/XXXX to earn a {$150.00} Bonus or deposit a total of at least {$20000.00} into your account by XXXX/XXXX/XXXX to earn a {$200.00} Bonus. '' I was able to successfully open the account online using the offer code XXXX on XXXX/XXXX/XXXX. 

As of XXXX/XXXX/XXXX I still have not received the {$200.00} bonus despite meeting the requirements of the promotion - {$20000.00} was deposited into the account on XXXX/XXXX/XXXX. I have called Discover several times asking about the status of the bonus and have been given multiple excuses as to why it has not been credited. These excuses include : XXXX The bonus will post I just need to wait until the end of XXXX. 
* When I called after the end of XXXX I was told the bonus " might '' post by the end of XXXX. 
* I was n't specifically targeted by the marketing department so I wo n't be getting the bonus -the offer did not mention anything about being targeted and it was available on Discover 's own website. 
* I did n't use the offer code on the online application - I did enter the code as it was the only reason I opened the account in the first place. 

I expect Discover to credit the {$200.00} bonus as I have met all of the requirements of their promotion. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There's 2 accounts on my report showing a violation. The statute of limitations has expired. Listed below are the accounts XXXX/XXXX XXXX OPEN DATE XX/XX/2012 {$2400.00} XXXX/XXXX  XXXX OPEN DATE XX/XX/2012 {$2900.00}
Product: Credit card or prepaid card

I was using a new XXXX  credit card through Comenity Bank and had {$170.00} due XX/XX/2022, I paid the full amount of {$170.00} on XX/XX/XXXX. I then realized Id get a late fee for paying a week late so I called comenity bank the same day to ask if I could get my late fee of {$41.00} waived as it was my first time ever being late to a payment and I was away on vacation when I received the bill. The representative told me that was fine and assured me he cleared my balance and waived the late fee, I made sure to double check that my balance was XXXX and I was told that it was. Recently, I was receiving calls from comenity bank saying I had charges due, I called on XX/XX/XXXX to see what were the charges and the representative told me I had {$120.00} due from the initial late fee adding up as the months passed and I had no idea. I was speaking to a representative and he was going to waive the additional late fees, but then the call got dropped. Called back again and I explained my situation to another representative and he told me he had no record of anyone waiving a late fee, but he understood my situation and said I could just pay {$36.00} and he would waive the rest of the late fees. I agreed and paid the XXXX on XX/XX/XXXX. I see I indeed got charged the {$36.00} but wanted to make sure my balance is actually XXXX this time. I call to check and the balance is {$90.00} now, which means they did not waive these late fees and would have continued to pile on late fees. Every time I speak to someone they rush me away and assure me it is being handled when it is not. I messaged them on various platforms repeatedly and was told the changes would appear in a few days. On XX/XX/XXXX, I was connected to a supervisor finally, they told me that they actually can not waive late fees because XXXX doesnt allow that, then I was switched to another supervisor who then told me they did waive only {$30.00} on XX/XX/XXXX. I hadnt even gotten in contact with them before XX/XX/XXXX so that can not be true. They said they can not waive any more late fees and have no record/notes of any communications with me. They said I had to pay it. So then I paid the remaining {$90.00}, but this is not right. I was lied to repeatedly by more than 4 representatives telling me they waived my late fees and my balance was at XXXX. And they told me they canceled my credit card per my request, which the supervisor told me did not happen either! This bank is full of liars and thieves. Ive paid double of what I should have and wish I never signed up for this credit card. Im hoping to get a full refund on all these late fees because it is not my fault whatsoever that I was lied to and made to believe my balance was XXXX so they could keep charging late fees. The bank is overall shady and suspicious, I know theyre a real bank but they sure do seem like scammers and basically are.