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

On XX/XX/2022 I emailed the documentation in regards to the SCRA Act for service members and there families. I faxed over the enlistment documentation for my husband showing his military status and I asked them too lower the interest rate accordingly and also to retro back the fees that was accrued doing the time before the documentation was submitted. Every other credit card company, loan, and even mortgage adhere to the law and I received the 6 % rate with all the fees retro back to me. Every time I called this company I talked to 3 different customer relations managers. There names were XXXX, XXXX, and XXXX. XXXX and XXXX were very helpful but XXXX was arrogant, rude, and snobby! 

I've called them over the last 3 weeks and they keep giving me excuses as to why I cant or shouldn't receive retro pay.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off. 
All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.

This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately : Account Name : XXXX XXXX XXXX ACC # XXXX XXXX  ACC # XXXX XXXX ACC # XXXX I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful noncompliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Also, I would like an updated copy of my credit report once this investigation is complete. 
Thank you, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX. 
to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

SENT SEVERAL DISPUTES FOR ACCOUNTS WEEKS AGO THAT ARE REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. YOUR COMPANY IS IN VIOLATION OF THE FCRA FOR REPORTING INACCURATE AND UNVERIFIED INFORMATION ON A CONSUMER REPORT. THESE ITEMS MUST BE DELETED IMMEDIATLEY BECAUSE IT IS AGAINST FCRA REGULATIONS. I DEMAND THAT YOU DELETE AND BLOCK THESE ACCOUNTS TO AVOID LITIGATION AGAINST YOUR COMPANY ON MY PART. DELETE AND BLOCK THESE ACCOUNT IMMEDIATELY.
Product: Credit reporting

XXXX XXXX XXXX has been investigated for over 30 days and they are still reporting the wrong date opened. i also have not received proof of their investigation including a copy of the original signed contract. 
CRA 611-15 USC 1681 5 ( A ) 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 promptly DELETE that item of information from the file
Product: Mortgage

I have attempted to sell my property through a short sale and have a qualified buyer, but my lender Bank Of America will not allow it. They are telling me there is not enough time to evaluate even though I started the request in XXXX, received the approval to participate in the XXXX short sale and an appraisal was even completed. Bank Of American is saying there is not enough time and I feel that this is not fair! This is ridiculous! I understand I have not been the most responsible with my payments, but I could n't help losing my job and dealing with the hardships has been a challenge to get back on my feet. Everyone goes through ups and downs and I want to do what I can to resolve my debt with my mortgage company. This is why I am trying to short sale the home and avoid foreclosure so I can put this past me and grow. My credit has already taken a huge hit and I would like to save it as much as possible from the foreclosure and close with the buyer we have the home under contract with. Bank Of America has wasted so much of my time with a loan modification and never provided updates or other options to help us. It has been extremely frustrating! They set us up to think they were working on the loan modification and in reality they were ignoring us. Every time I would call for updates, I would get the same response that the file was still under review and that a retention manager would get back to me. Next thing I know my home is on the foreclosure list for the following month. Due to the lack of communication and returned calls, I am filing this complaint with Bank Of America. I feel it is because of THEM that I " do not have enough time '', to complete the short sale. If they would of gave me other options I could of started this process a lot sooner. Now I am against a deadline and desperately trying to save my home. I feel that I have been taken advantage of by my mortgage company and feel that this is a wrongful foreclosure. I have always been on time until I lost my job. I want to escalate this to a manager and will continue emailing and calling everyone up the chain at Bank Of America until I am provided with fairness. For XXXX sake, I have a buyer that is ready to close if Bank Of America will just allow it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, I ordered furniture through a remotely working XXXX XXXX XX/XX/XXXX rep. I knew my limit was close to the Max because I had just purchased a couch recently and it was. The card would be able to cover roughly {$230.00} and there would be a balance of {$70.00} that I could pay in cash or the rep offered me to increase my limit by {$300.00} to cover the costs. I asked specifically if it was going to hit my credit, because if it didI did NOT want to do it ( as I am in the process of getting inquiries off my report. ) He checked and told me it would not. I was approved for the {$300.00} increase and got my receipt via email. Right away I received a credit monitoring email saying I had a new hard inquiry. When I questioned the rep, he told me he told her 3x on a recorded line that I did NOT want a increase if there was an inquiry and she told him each time it would not put on on my report. He was told that this women had applied for a line of credit rather than an increase. I was told to call Wells Fargo and they would be able to reverse the increase and remove the inquiry, but when I called, they only said they could file a dispute with the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance to the fair reporting act XXXX  account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states i have the rights of privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer report agency can not furnish an account without my written instruction
Product: Consumer Loan

We have never been past due on a payment, Nissan Infiniti has an inaccurate remark appearing on my credit file. I have disputed with nothing being corrected
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card

In XXXX I applied for a received a Citi XXXX XXXX account and was a card holder in good standing until XX/XX/XXXX when citi abrubtly decided to close my account. 
Closing the account resulted in negative points on my credit report, while still having to make on time payments and pay interest. 

Upon learning of this I contact Citi executive offices due to my disappointed. After investigation CITI revealed the reason for the closure was due to a debt that was charged off in XXXX and sold to a debt collection company in XXXX. This was concerning due to a number of reasons which Ill explain below.

1. Citi pulled a credit report prior to deciding to reissue the card without notice of the credit check. 
2. Citi reviewed internal records to make an adverse decision that affected me and according to the FCRA this was done incorrectly and caused damages to me.

3. Citi has started company wide layoffs and informed regulators that this is due to a drop in revenue. However it is clear the drop in revenue is being caused by citi themsleves by shedding on time paying customers for no reason.

4. CIti SOLD the debt and no longer owns it but makes decisions based on the debt. 

These reasons are concerning but most important is the fact that Citi themselves had trouble and needed a bailout from the American people due to their financial decisions in XXXX. Now in XXXX after being a good customer and never being late Citi decides my past financial decisions should affect my current life. 

When pressed on this issue and reaching out to the Executive office of Citi I'm told its a private business and they can do what they want even violate the FCRA and cause personal damages to me. When reading online of other peoples issues of same its clear CITI makes adverse decisions to card holders and account holders with ZERO accountability and hides behind being a private business... ..yet is publicly traded on the stock exchange. 

Lastly the card was obtained AFTER the debt had been sold and been in good standing so looking back 7 years to a previous debt WHILE an account holder makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to properly investigate and verify a negative account on my credit report after delivery of multiple letters from myself. My last letter was sent on XX/XX/2020 and delivered on XX/XX/2020. I gave them 30 days plus more and they have yet to respond or send me an updated credit report. Experian did not show evidence on how they verified the negative account.
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 : Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written 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 reason to believe that the information is inaccurate.
Product: Debt collection

I am writing to register a formal complaint against PNC XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX, for their alleged violation of the discharge injunction of my bankruptcy. 
On XX/XX/2020, I received a discharge of my debt obligations from the XXXX XXXX of New York. Despite this legally binding discharge, PNC XXXX XXXX has unrelentingly persisted in their collection activities against me. They have subjected me to undue harassment, including threats of seizing my home and personal assets if I did not adhere to their demand for payment. 
The intensity of this situation was further amplified by the ongoing XXXX pandemic, during which I was compelled to continue these payments. As a retiree on a limited income, these threats have placed an immense burden on me, both emotionally and financially. Out of fear and to preserve my assets, I felt coerced into making payments that, according to my understanding of the discharge order, I was no longer legally obligated to pay. 
Since receiving my discharge, I have personally made payments totaling {$210000.00}. These payments were facilitated with the financial support of my family, adding additional strain on them as well. 
Despite these considerable payments and clearing the balance with XXXX XXXX XXXX, a Commercial Collections XXXX at PNC XXXX XXXX, the harassment did not cease. In fact, they have begun to demand additional payment for late fees and other charges that, to the best of my understanding, are unjustified and unwarranted. 
The undue emotional stress and financial hardship this has imposed on me, particularly given my status as a retiree and the ongoing global pandemic, have been significant. I trust that the Consumer Financial Protection Bureau will address this serious concern promptly and ensure PNC XXXX XXXX 's compliance with the law. 
I am prepared to provide any additional information required for this investigation, and I eagerly anticipate your timely response in resolving this matter. 
Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I want to complain about the fraudulent activities on my credit reports. For the last XXXX or XXXX  months, I had been reaching out to the bureaus to get help in removing the fraudulent accounts and inquiries that are on my credit report. I was told each time to resend my FTC letters because they can't remove ALL of them because the FTC is invalid. This doesn't make sense to me because why would they remove the other items and leave a few behind if the FTC was indeed invalid. 

Please help me remove the ff fraudulent accounts from XXXX and Equifax. XXXX already handled this and removed the fraud from my reports. 

Please remove the fraud accounts : XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX and the fraudulent inquiries : for the inquiries, XXXX and XXXX already deleted these, it's only Equifax now that kept this on their records. Anyways, these are the fraudulent inquiries : XXXX XXXX XXXX  - XX/XX/XXXXXXXX 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. 

I have attached and sent them my FTC and CFPB reports.
Product: Credit reporting or other personal consumer reports

The below account is showing incorrect information and has been reported wrong for more than XXXX XXXX If this is not corrected I will be contacting a lawyer. This account was paid in full and I have proof. XXXX XXXX is knowingly reporting false information. 

XXXX XXXX AUTO Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$39000.00} Nice! You've paid off 100 % of this loan OVERVIEW Highest balance {$39000.00} Monthly payment -- Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PAYMENT HISTORY You've made 86 % of payments on time XXXX Last payment XX/XX/XXXX Payment status In Collections/Charge-off
Product: Credit card or prepaid card

I have an existing Citibank card. I got a XXXX card. I tried to add the XXXX card to my Citibank account. I was told that I could not add it to my account because the names did not match. I was told that in order to add the XXXX card to my Citibank account, I would have to remove my preferred name from the XXXX card, which would require faxing or mailing in proof of identity and getting a whole new card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute with the 3 bureaus customer relations department disagreeing with the items appearing on my credit report that are not in accordance with the FCRA act. I have not gotten any update or acknowledgement of my dispute. 

Lvnv funding llc XXXX XXXX XXXX XXXX XXXX XXXX Lvnv Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  accounts below violated my rights to laws 15. U.S.C. 1681 Section 602A- which states that I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2- Consumer Report Agency can not Furnish an account without my written instructions.
Product: Debt collection

I believe a Best Buy credit card was opened with my information and this debt was placed on my credit information. Subsequently my bank account has been frozen due to garnishment orders based on default. I had no idea and reported this so many times but to no avail.