23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Comenity Bank, which is the issuer of the XXXX XXXX credit card charges more than 25 % interest rate while at the same time does n't offer their customers a way to autopay a bill. While every credit card that I hold has moved towards the autopay function for consumers to keep their accounts current, it appears that the bank is purposefully looking for ways to aggressively garner revenue from late fees and high interest rates. I 've requested on XXXX occasions since opening this card for an auto bill pay function, but this feedback has been met with the status quo.
Product: Mortgage

I am a current mortgage customer with Wells Fargo Mortgage. I started the refinance of my home in South Carolina at the beginning of XXXX. My income change after the death of my ex husband and I wanted to obtain a lower mortgage payment plus pay off two loans, As of today, XX/XX/2020 my refinance has not been completed. I am very upset after being told that refinancing can take up to ninety day. I have provided all requested documentation and received a conditional commitment letter on XX/XX/2020. The processor of this refinance is XXXX XXXX who has been very unprofessional by not returning my calls or responding to emails. I am also working with XXXX who has been absolutely wonderful. XXXX assisted me with my Executive Complaint and he was very helpful as well as Miss XXXX who is currently assisting me with try to get to a closing date after almost seven months.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXXXXXX XXXX Balanced {$250.00} XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$250.00XXXX XXXX XXXX  XXXX Balanced {$160.00} XXXX XXXX XXXX Balanced {$160.00} XXXX XXXX XXXX XXXX {$320.00} XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX Balanced XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

so I have this XXXX XXXX card with Comeninty Bank there cutoff is like XXXX XXXX in the XXXX XXXX its really not fair for the people that live in the XXXX XXXX most of the time they day my payment is due I work until XXXX  I try to pay before a lot of times I have a problem with my phone internet like today I didn't get off until XXXX I tried to make a payment before but it didn't work and I had to back to work and I got in like an hour after the due I pay on they day they are due but they to get like an hour past the cutoff this cutoff times are really not fair I want all my late fees credited they get them on they day they are due and they charging XXXX because my payment posted maybe an hour after the cutoff times on the day they are due why should I be punished for the way there computer programs work everyone one of these they are getting them the day they are due and they don't seem to care at all I want every late payment credited
Product: Credit reporting or other personal consumer reports

I have request multiple times Validation and any or all evidenace of these accounts affecting my fair credit rights, I have disputed These accounts that I have no knowledge about from XXXX XXXX XXXX XXXX XXXX Shows in my credit Reports as Act Number XXXX XXXX XXXX Lock Hart, Morris & Mont Act Number XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2020-CMRE was paid in full and confirmed they will update and remove from my credit as agreed. 
The collection company is still reflecting I owe them and has not removed the accounts from my credit reports
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Email : XXXX Phone : XXXX XXXX XXXX XXXX XXXXXXXX Experian Information Services XXXX XXXX XXXX XXXX TX XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website.

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas There should only be one address in my report, which is : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX  The only job I need listed is : XXXX XXXX XXXX XXXX Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address
Product: Credit card

I received an unsolicited credit card in the mail -- I thought that was illegal. This is an Amazon.com Visa Rewards Card. I hold several Visa cards, and the account number for the new card does not correspond to any of my current accounts, so it is not a replacement for a card that is expired. The thing that really makes me angry is that it is an amazon.com card, a card I have refused to sign up for, even though every time I buy something on Amazon I am subjected to insane pressure to sign up for one. One of the letters I received thanked me for " choosing '' the Amazon card, which I certainly did not. I have refused this card for years, and I intend to shred this one and all the documents that came with it. I do n't even know which bank or company had the gall to send me this card, but I intend to cut off any business dealings with them from now on.
Product: Credit reporting or other personal consumer reports

I use a handful of credit cards, all of which are on autopay. my main cards are for XXXX XXXX which I spend the vast majority of my money on, but I do have one capital one card that gets used for less than {$50.00} a month. Those payments have been on autopay but for some reason Capital One for 2 months straight did not take the money out of my account. As a result my credit score dropped by over XXXX points without my knowledge. I contacted Capital One multiple times and complained that it's unjust but the representatives told me there is nothing they can do. I contacted the credit card bureau and they suggested I resolve the issue with capital one. 

for timeline purposes, capital one failed to autopay in XXXX. I found out of my delinquency mid XXXX and I have spent the past few weeks in contact between different companies and agencies trying to resolve this issue.
Product: Mortgage

Contact numbers provided on the mortgage statement and website are non functional. Unable to contact company in regards to closing a potential offer to buy the house.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX someone with an intercepted copy of my XXXX  Driver License was able to pay cash at the Federal Bankruptcy Court Clerk window to file three skeleton chapter XXXX cases without ever listing a single creditor. As I was not aware of the filings I never completed the documentation necessary and each was Dismissed and Closed without any creditors even notified. I was having financial difficulties at the time and would have utilized the filings to fix my status but as they were not filed by me I was unaware. 

I disputed this information with the three major Credit Reporting Agencies who of course violated the FCRA by not validating my concerns with the original credit furnisher but rather a third party not involved with this dispute. I was then recently told by law enforcement to file an affidavit with the Federal Trade Commission as a victim of identity theft during this non sensible event. 

US Bankruptcy Court XXXX case numbers XXXX, XXXX and XXXX are all completely bogus. No dollar amounts, nobody benefitted and only I have been harmed. I also had a direct conversation with the Clerk of the Court who stated he has never had a Credit Reporting Agency call to validate a case and that his court would never do that with a third party either. Please contact XXXX XXXX at XXXX as the Clerk to verify this info.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any 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 of 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

The creditor XXXX is showing the same account 10 different times. Spoke with a customer service representative who was rude and unable to provide assistance. The information showing is inaccurate and misleading. This inaccurate and misleading information is causing me severe harm. 

I ask that XXXX  be removed from my credit report entirely. 

Below is details based off report : : : Creditor : XXXX  appears on my credit report 10 times. 

Date Last Active and Date Last Payment : showing different years and dates. 

Date Opened : showing incorrect opening dates Two Year Payment history : XXXX  is showing Ok status, XXXX is showing nothing, Experian is showing Charge-Off. Information is not showing accurately. 

Last Reported : Showing inaccurate date. Student loan account under different servicer during time period reported. During said time period account was in good standing.
Product: Debt collection

Vinci Law Firm called me this morning and I only know they 're a debt collector because I called back. In my initial contact with them, they asked for me by my legal name ( which I only use for strictly legal matters ) and when I asked what this was about, they refused to tell me so I said it was me. Then they demanded the last 4 digits of my social security number to `` verify '' it was me. When I tried to get the information anyway, they insisted and when I refused, they hung up on me. 

I called back moments later and demanded to speak to a supervisor. I was put on hold for a minute and then redirected to a voice mail. I told them to stop calling me, I know they have to disclose why they 're calling, and they ca n't verify by asking for my sensitive information like my social security number.
Product: Money transfer, virtual currency, or money service

My account has been blocked by Coinbase without any reason since XX/XX/2022. My fund is blocked and i can not trade or transfer my money. Initially after several times calling and emailing they said that they need my driver license which they already have it. I resent it to them. After few week and again several times calling and email, coinbase said that there are multile account under my name under different emails. I answered that I only have one account under my name and my email. The other accounts and emails does not belong to me. They have ny answred since more than a month ago despite severl times calling, emailing and chatting with them. They only say I have to wait till review is over. Homw many months this review is going to last. They have done this tbing to alot of people. They freeze, block, and some cases take people 's money from their accounts with out their permission. The have multiple class action lawsuit against them. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is keeping inaccurate and incomplete information on my Current Carrier Insurance report. I have contacted them and send them all the declaration pages from my auto insurance policies for the past 7 years so they could correct it but they have not done it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm writing this grievance in regards to XXXX Bank XXXX credit company. I recently check my credit report and realized there was an account that I did not open. I contacted the credit bureaus and XXXX through certified letters and asking for the documentation that shows my signature that I applied and signed on this account. XXXX has yet to send those valid documents but were sending the credit bureaus this inaccurate information. They in returned sent me billing statements that I knew nothing about. I have tried to resolve this issue for the last 60 days and they keeping saying its me without the proper documents. I have made a claim with the BBB on them also. As a consumer I 'm just trying to clear up this issue and moved forward. 
Thank you
Product: Payday loan, title loan, personal loan, or advance loan

I have applied for a credit extension to raise my limit 3 times with Goldman Sachs Bank USA and have unlawfully been denied credit and continue to ignore the laws. 
Regardless of the of the reasons for being denied? I have the right to the credit and with holding me access to my securities is securities fraud. The bank is violating The Equal Credit Opportunity Act and Consumer Credit Protection Act. The law could not be any more clear. 
Pursuant to 15 USC 1691a- If you are denied credit it is an adverse action. And it is unlawful for any creditor to discriminate against any applicant for ANY reason including bad credit.

It is the banks duty to extend credit.

Pursuant to 13 USC 8 & 15 USC 1692b - Consumer has the right to extend credit.

Pursuant to 15 USC 1602- I am the original creditor and denying me access to my own credit is fraud. Pursuant to this law I CAN NOT BE DENIED CREDIT. Its my right. Denying me my rights is securities fraud.

Pursuant 12 GFR 1002.4 cant deny me credit under ECOA. These laws cant be any more clear. Why am I continuing to argue this nonsense and why is nothing being done about it.. The bank has no authority over these laws. Why are they getting away with it? This illegal activity stops now.. I request for the last time for this Bank to raise my credit limit. Its my right ..Im exercising my right.
Product: Checking or savings account

Was called by I thought was my bank on someone trying to make a transfer from my account ended up being a scam lost XXXX dollars bank wow not reverse money because it was XXXX the scammer called my wife originally cause we have business account and my personal they took XXXX from business the bank reimburse my business account but not my personal
Product: Checking or savings account

I signed up for a checking account on XX/XX/2018 that promised a {$150.00} bonus for receiving a direct deposit of {$500.00} within 90 days. I received a direct deposit of {$500.00} on XX/XX/2018. 

Per the terms of the deal ( which I took screen shots of as proof ) the bonus was due on XX/XX/2018. More than two months ago. 

I got the run around on a phone call to customer service earlier this month, and my detailed secure message sent on the website on XX/XX/XXXX has not been responded to.
Product: Money transfer, virtual currency, or money service

I did my tax returns on XX/XX/XXXX and accidentally typed one digit wrong for my account number since I chose direct deposit. Golden One Credit Union refuses to be of any assistance and did not check the social or other info to verify it was the correct account. I already contacted them and the irs to no avail. A letter of indemnity was sent 90 days ago. It was {$570.00}. The other account withdrew the money immediately and supposedly spent it. The money was deposited into the other account XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX contract XXXX. TENDER OF PAYMENT REMINDER NOTICE THIS DEBT IS DISPUTED i XXXX XXXX XXXX have Tendered payments thereto CapitalOne Bank on XX/XX/XXXX with proof of service and signatures required signed by all creditors as of XX/XX/XXXX when mailed out via USPS with proof of service. The law states that if the payment is not accepted then CapitalOne has five days to return that payment to me with lawful reason for denying it. CapitalOne has failed to do so. In fact it has been [ 96 ] days and the Tender of Payment has yet to be mentioned by CapitalOne. If the payment is not returned then it is implied that the payment was tendered and received and they collected from the US Treasury and or at Any Federal Reserve Bank. It is left to be implied due to the amount of time given to CapitalOne which is well passed the five day time to respond. Attached are the FDCPA laws. 

The new law states " Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, XX/XX/XXXX on HR 1491 p. 83. 
Therefore all are hereby notified that i XXXX XXXX XXXX do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. i have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. 
Rather it has been over [ 96 ] days and nothing has posted as paid tendered or discharged and this disables me XXXX XXXX XXXX by way of doing business employment and living free. CapitalOne has notified the credit bureaus that i am late to a debt that was paid in full as of XX/XX/XXXX, XXXX i have the United States Post Office signed forms which is the delivery proof which is undeniable, and therefore the payment was received on time and is not late, as well the payment format was never returned to me. If CapitalOne has decided to deny the payment then the debt obligation is DISCHARGED! 

Be aware that the address you have on file is XXXX XXXX XXXX XXXX XXXX NV XXXX, please send all response to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX
Product: Vehicle loan or lease

On Tuesday XX/XX/year> ; I accepted an offer to refinance my car loan through XXXX XXXX and their lending partner XXXX. The offer was an 84 month term at 6.35 %. XXXX XXXX used my address, income, credit score, and current loan information to qualify this offer. On Wednesday XX/XX/year> ; XXXX approved me for a loan but quoted interest rates higher than I currently pay and stated that the rate and term that were selected were not available. The employee of XXXX ; XXXX XXXX ; then stated that interest rates are dependent on political climate and impacted by the election and offers are dependent on zip code. I highlighted the numerous consumer lending violations at play here ; advertising rates and terms that were not available, statements made by the company ( via XXXX ) which are false and illegitimate, and how if any of those statements were being used they would be further violations. 
XXXX continues to have rates advertised as low as 5.45 % ( 60 month term ) through XXXX XXXX ; however the lowest rate they are offering is 8.04 % ( 60 month term ).
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO : XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX PHONE ( XXXX ) XXXX. I HAVE SENT MULTIPLY CERTIFIED LETTERS TO THIS CREDITOR ONE ON XX/XX/XXXX AND HERE RECENTLY ON XX/XX/XXXX WITH NO RESPONSE BACK. THE LETTER WAS SIGNED BY AGENT XXXX XXXX. I HAVE NO IDEA WHO THIS COLLECTOR OR CREDITOR IS. I HAVE ASKED NUMEROUS OF TIMES FOR THEM TO PLEASE PROVIDE UNDER THE FDCPA TO VALIDATATION EITHER THEM OR A THIRD PARTY COLLECTION AGENCY? I ASK THAT THEY SUPPLY ME WITH THE FOLLOWING. PROVIDE ME WITH THE ORIGNIAL CREDITOR AND PAYMENT HISTORY? PROVIDE ME WITH COPIES OF ALL LETTERS SENT TO ME FROM YOU AND THE ORIGINAL CREDITOR REGARDING THE DEBT? PROVIDE THE COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE? PROVIDE WHEN THE ACCOUNT WAS LAST UPDATED? PROVIDE ME WITH THE LAST DATE A PAYMENT WAS MADE ON THIS ACCOUNT? PROVIDE PROOF YOU EITHER OWN THE ACCOUNT OR WERE ASSIGNED TO THE ACCOUNT FROM THE CREDITOR? PROVIDE ME WITH VALIDTY OF THE DEBT THAT YOU ARE REPORTING ON MY CREDIT REPORTS? PROVIDE ME WITH THAT THE STATUE OF LIMITATIONS HAS NOT EXPIRED ON THIS ACCOUNT? AS A RESULT TO ALL MY QUESTIONS I HAVE RECEIVED NO ANSWER FROM THEM VALIDATING THE ACCOUNT AS WELL AS VERIFICATION THAT THE ACCOUNT ACTUALLY BELONGS TO ME. IF THEY CAN NOT PROVIDE ME WITH THE PROPER DOCUMENTATION AS REQUESTED IN THE FOLLOWING DECLARATION, THEY MUST DELETE AND REMOVE ALL INFORMATION COMLETELY FROM MY CREDIT FILE INSTANTLY.