23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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

I informed Equifax that XXXX - XXXX XXXX, XXXX, XXXX XXXX ( Account # XXXX ). Was a fraudulent account and I disputed this with the creditor and all XXXX credit reporting agencies. XXXX and XXXX deleted this item as they should. But Equifax keeps saying that this is legitimate and it 's not! I 've sent them multiple pieces of documentation informing them that this is a fraudulent account opened in my name and they will not remove it.
Product: Mortgage

In an attempt to finance a home in XXXX XXXX with XXXX XXXX XXXX XXXX Empire Home Loans, she asked us to fill out app. We completed and we never heard back. Several days later I text her to get information regarding approval. She snapped at me for calling her when she thought we already spoke that morning in which we didnt. Then she said we never submitted our financials, when we did a week prior. We realized shes mixing us up with another client. This making us uneasy, we decided to use another lender. I was honest in telling her why we were not going to use her, and she was rude, confrontational. That same afternoon, she clearly retaliated by putting us on a call list with all lenders. Our phones are on silent now as we receive over XXXX calls a day. Weve worked with lenders in past on every buy or sell and have NEVER experienced this. This is retaliation and XXXX XXXX needs to be held accountable.
Product: Debt collection

Date of Occurance : XX/XX/2020 Times of Phone Calls : Call 1 : XXXX XXXX eastern standard time Call 2 : XXXX XXXX eastern standard time Date of both calls : XX/XX/2020 Violation of FDCPA Subsection 806 article 5. 

Second Violation : Article 6 : Failure to give meaning disclosure about the nature of the call. 

Description : Agent failed to identify themselves and their purpose unless it was me personally and even then failed to until I confirmed who I was. Didn't even say something as simple as a debt collection attempt.
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my ARS consumer credit report sent to me via mail.
Product: Mortgage

I 'm trying to refinance my XXXX mortgage.Citimortgage owns the second loan. I have done everything they have asked and each time what they need changes, they keep delaying matters as I get charged .for interest. The wo n't work with my future mortgage company.I have given verbal and written permission.every phone call isca run around now they are trying to say I requested for hardship assistance. This has been going on over a month
Product: Credit card

I pay all my bills on time have had my card for over a year, one day I logged on and was offer a line of credit I took a look at it gave some information then decided I did not want the line of credit. Then I started receiving emails form discover asking me to sign something so they could get my taxes from the IRS, I ignored it because I decided I did not want the personal loan, then today I get an email saying my account have been closed because I did not verify my tax info. Now they say I need to reapply for the credit card that I already had for more than a year and I just used it during XXXX and paid it off
Product: Credit reporting, credit repair services, or other personal consumer reports

To : XXXX  or Equifax or XXXX  I have previously disputed accounts reports by creditors, collection agencies or courts in the file you maintain under my social security number. 
XXXX XXXX XXXX {$1600.00} I have been informed by your company the item ( s ) was/were deleted PERMANENTLY from my credit report.

Now, I have discovered the item ( s ) have been REINSERTED on my credit file.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within FIVE business days. I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law.

You have failed to comply with documentation bearing my signature associated with this account, as per the Fair Credit Reporting Act 611 ( a ) ( 1 ) ( A ). I am keeping a careful record of your actions, including Method of Verification, I DO NOT CONSENT to e-oscar or any means of automated verification. In maintaining a careful record, I will file a complaint with the Consumer Financial Protection Bureau should you continue with your erroneous reporting of the item ( s ) and non-compliance. I further remind you, as in Wegner vs. TransUnion Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), you may be liable for the willful non-compliance and failure to respond satisfactorily I will seek {$1000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act I hereby DEMAND you immediately delete the item ( s ) from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office and the XXXX XXXX XXXX. 

Please govern yourself accordingly,
Product: Credit card

The Bilt app to manage my Bilt Mastercard does not update payment accounts from the same bank leading to declined credit card payments and putting the consumer in an endless cycle of updating accounts to declined payments to being charged interest fees and balance continuously growing. 

I reside in a building that partners with the Bilt Mastercard by XXXX XXXX to be the *only* credit card that does not charge a 4 % fee to be used on rent payments. I bank with XXXX bank. My primary checking account was compromised and I worked with chase to open a new checking account. I have followed the Bilt app over 5 times to link to my new chase account. When submitting payment or viewing account management, the Bilt app *never* displays *any* account numbers to verify the account being used. For example chase **** is all you see on any screen. When linking the new checking account the Bilt apps built in process says the new checking account is already linked. When the consumer then goes to pay the Bilt app still pays from the disabled account with no warning to the consumer. This begins the endless cycle. 

XXXX XXXX does not electronically notify the user via Bilt or any means such text, email, or phone call that the payment failed. Instead they send a letter. XXXX XXXX does not give notice for an opportunity for someone with a job that requires frequent travel to fix their payment issue and the Bilt app also does not send notification of the payment issue. 

Once the consumer recognizes the payment issue, identifies the endless feedback loop in the Bilt app IT failure, then they can begin to work directly with XXXX XXXX. It takes almost a week after the last failed payment for the XXXX XXXX website to allow balance to be paid the credit after interest has accrued and all negative factors with a credit card bill going weeks without being paid. 

This failure is solely due to flawed design of the Bilt app hiding all information from the consumer to show which account is paying and for XXXX XXXX to not ensure timely updates from the Bilt accounts to allow faster direct payments. The Bilt credit card app jeopardizes consumer financial health while purposely making paying from other cards more expensive for necessities such as rent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Reported a Late payment for my car lease to the XXXX credit bureaus on XX/XX/2023, without warning me they falsely stated i was late on my payments but in the credit report from experian, XXXX and XXXX we all can see unmistakably that every single month all the pays were done accordingly, even there is proof from my bank and from their website itself. i sent them a letter with proof of my payments and spoke with representatives over this matter but they did not give me a clear explanation and they sent me a letter back stating they dont think there is any error, i have never had a late payment in my entire life for the past 20 years, i have had a previous lease account with XXXX XXXX in the past and never had an issue, im disappointed that they ruined my credit score and worthiness when i had a XXXX score and dropped to XXXX, i am a hard working person with a reputable credit history, upon looking into forums about people having similar issues with them i found its a common practice by that company. 
the monthly payments are {$360.00} a month for 36 month for the term of the lease. 
I file a dispute with XXXX XXXX but neither that made them change their mind, i went ahead and filed a dispute with the XXXX credit bureaus and the outcome was the same. 
i feel defeated mentally and abused of my rights as a citizen of good moral character and XXXX XXXX has lost my trust and credibility as a company doing this to Cosumers unethically. 
Looking forward to find a solution to this matter Thank you
Product: Debt collection

XXXX XXXX is the company in question... 

I am reaching out to you because I was informed an alleged debt said to belong to myself, was sold to you without any consent from myself or anything in writing notifying me of such activity.... I would like this account removed due to a violation of the FCRA. Also, I'm requesting the below information for my legal options and rights under consumer privacy laws...

If you can not supply the following, Please remove this information from my consumer report on all 3 credit reporting agencies.

would like see to my signature on the original documents from the company listed above that says I'm indeed liable for this debt.

I would like to see a copy of the original purchase agreement that shows you are legally allowed to collect this debt on behalf of the company listed above. 

I would like to see a copy of the forwarded flow agreement I would like to see a copy of all transactions/statements from open to close of this account. 

I'd like to see proof you are a legal debt collector in the state of Illinois. A copy of your bond that indicates you are indeed licensed to operate in the state of illinois would be greatly appreciated.
Product: Mortgage

Good afternoon, I need to know my rights concerning receiving statements concerning my mortgage. My mortgage was transferred to another company starting in XX/XX/XXXX. However we were on a repayment plan and made the final payment to the prior mortgage holder and they did not take the payment they sent it back. So we contacted the new mortgage holder to ask what to do and they could not tell us anything, so they sent a packet with 3 months of payment slips to mail in with our payment for which we did and did not receive any statements at all and still havent received any. So I called to get the loan number to make my additional payments and that was when I was told we were placed in Loss Mitigation and of course I was shocked and informed them that we did not have any clue of this, so of course we talked to the old lender and was told if we made a payment of XXXX on XX/XX/XXXX then our account would be current of course when we called to make that payment we were told that we are still 2 months behind. Still no statement, so then we were told that we could do yet another repayment plan but of course when we called to set that up we were told we could not. So my question were they not suppose to send us statements, how else are we suppose to know our status. Also I was told they put a stop of some sort on the statements and that did not make any sense to me. If so what are our rights?
Product: Debt collection

I returned the car in the discretion and I didnt recall any of this debt being added to my credit reports so I would like to dispute the charges and incorrect on my credit report.
Product: Mortgage

I had set up a recurring payment from my bank to my mortgage processor, GMFS, who subsqeuently changed the amount of payment required. While continuing to accept and cash my checks, they stopped crediting my payments to my account because they were " short payments '' and they " ca n't accept '' short payments. 

Though they claimed to have sent me letters and called me, no calls were received, and no letters to the effect that payments were short, were received. When I called to follow up, I asked if they had been calling, they claimed that they had been ( to my cell phone number, none of which were ever received ), and they had been in in fact, calling an erroneous number XXXX. 

I also logged into their account management interface several times and was never alerted to any problems with my account during this period.
Product: Vehicle loan or lease

I will start with the most recent. I received a letter from Capital One Auto Finance stating that Capital One Auto Finance will pursue legal action in order to take possession of the vehicle. Letter was dated XX/XX/2019. 

I requested that since you are trying to collect on a debt please validate and confirm the debt being requested. I have yet to receive the Bill of Sale, Itemized bill in the amount of {$19000.00} that Capital One Auto Finance say that I owe, The name, address and phone number of the Injured party due to the fact that they are Corporation and a Corporation can not act, think, or sign anything, I requested that they provide an unsworn declaration proving that the alleged debt is owed, I requested that they provide an affidavit of Truth stating that the debt is owed and that the Injured party is owed the debt. I have recorded my calls as well and sent numerous letters. I am sending another Debt Validation letter since my first letters were never answered and an affidavit of my own with a counter claim of fraud, misrepresentation, illegal contract, and not providing full disclosure in the original contract.
Product: Vehicle loan or lease

Synchrony Bank XXXX Synchrony XXXX XXXX XXXX misapplied payments to our account which placed our account in an " accounting hold '' state. This accounting hold delayed the posting of our payment by more than 30 days which triggered an automatic missed payment mark on both my wife 's and my XXXX and XXXX credit reports. 

The delayed posting payment was made on XX/XX/XXXX in the amount of {$830.00}. My wife spoke to XXXX at Synchrony customer service on XX/XX/XXXX and was told that it would take 45 days for the credit review. I spoke to XXXX at Synchrony customer service on XX/XX/XXXX and was told it would take 60 days for the XXXX XXXX. I was escalated to XXXX, a customer service supervisor, who said she could not help me. When I asked to be transferred to someone in the credit review or accounting department, I was told " they do not speak to account holders ''. 

I believe that it is the responsibility of Synchrony bank to correct its own errors in a timely manner when that error has caused detriment to the consumer.
Product: Credit reporting or other personal consumer reports

Dear XXXX In accordance to the Fair Credit Reporting XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX violated my rights 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told Experian, XXXX, and XXXX to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. According to 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. 

Sincerely XXXX XXXX XXXX
Product: Mortgage

The mortgage was paid off early and I requested an unearned interest statement and refund if applicable. They sent me a statement saying they owed me {$39.00} for 2 days of unearned interest. Per 15 U.S. Code 1615 ( b ) ( b ) Use of Rule of 78s prohibited For the purpose of calculating any refund of interest required under subsection ( a ) for any precomputed consumer credit transaction of a term exceeding 61 months which is consummated after XX/XX/year>, the creditor shall compute the refund based on a method which is at least as favorable to the consumer as the actuarial method. The way the rule XXXX 's is setup, I know it is for contracts less than 61 months, but it says that the creditor is at least supposed to compute a refund that is as favorable to the consumer and I don't feel that there computing was fair to me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, Ive mailed letters to Transunion, XXXX, & XXXX in regards to inquiry removal. While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries that I did not authorize nor did I sign an authorization by those companies.
Product: Credit card

In XXXX, I used Klarna financing to purchase a preorder of roses from XXXX XXXX with an anticipated ship date of XX/XX/XXXX. The purchase total was {$830.00}. Klarna was an available purcase option which means that the company was a partner. What I didn't know was that XXXX XXXX, owner of XXXX XXXX XXXX was on probation for fraud and had basically committed fraud continuously with various business ventures from XXXX to the present. 
Towards the end of XXXX, it came to light that zones XXXX and XXXX hadn't received any roses yet. I was concerned and immediately asked XXXX XXXX XXXX to cancel my order. They stated they would cancel and refund. They refunded at {$0.00}. Most people have not been successful in getting a refund. I reported to the PA attorney general and the FTC. They took thousands of orders. 

I filed my first claim with Klarna at the end of XXXX. This was a preorder that should have shipped in XXXX. I sent Klarna my correspondence with the company confirming my order was cancelled as well as the fake refund email. Klarna never bothered to do a chargeback. I called Klarna repeatedly over the last XXXX  days. Klarna NEVER requested any information. I finally sent an email in response to an email Klarna sent asking me if I'd like to close my case early. Klarna 's response was to tell me that now my preorder order was too late to file a claim. They intentionally ran out the clock so that I was XXXX days past the ship date. I am on I believe my XXXX claim with Klarna. 

I want others to know that Klarna partners with scammers and that their buyer protection doesn't mean anything at all.
Product: Credit card or prepaid card

I was wrongly charged XXXX by XXXX XXXX for an item that was not purchased and or received. After months of going back and forth between XXXX XXXX and Comenity Bank XXXX reversed the charge. When speaking to Comenity bank the workers accused me of lying and forgetting I made a purchase they told me forgot and should just pay what I purchase and to not purchase items can not afford. I was given the option of paying XXXX of the XXXX balance and it would go away. I was told to wrote letters Comenity Fraud department and to call XXXX. XXXX told me to contact comenity. This went on for 8 months and then XXXX finally reviewed my account and saw that it was noted in XX/XX/2022 of the charge and that t was supposed to be crediied. Comenity told me that once XXXX credited the charge then they would credit the late fees and interest. Now that the orginal fee was finally creditied Comenity says I still owe for the interest and late fees which total {$230.00}. I explained that I never made a charge to be paying late fees and interest on and they told me it was my fault that i should have taken care of it last XXXX. The problem is I have been trying to resolve the original {$39.00} charge for months and n one would help me. Now that XXXX finally admitted they made a mistake credited the {$39.00} fee Comenity is still telling me I owe {$230.00} but if I wanted to settle could for {$80.00}. I am not settling for a charge that I never made in the first place.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I wired money to the Fifth Third Bank on XXXX XXXX XXXX in XXXX Ohio. The beneficiary was XXXX or XXXX for a purchase of a house. They have held the funds without giving me the concrete information or even returning the money Im going to give the bank 10 more days before the case goes to court. I have waited more than two months to receive my money. They need to release my funds. Its causing a hardship for me. I need my money and its very hectic for me here trying to make my bills. The money transfer wire was for {$50000.00} and I want my money back please
Product: Credit card or prepaid card

This is regarding an {$89.00} fee. The credit card I mention was closed in XXXX of XXXX. Yet, an automated transaction went through on the account XX/XX/XXXX. This means the bank and the bank card approved a transaction on a closed credit card account. There is still no available credit balance on the account. The account is still closed. The bank refuses to remove the charge. This is their mistake. When I called them about it they refused to do anything about the transaction because the company sent the merchandise. How can a credit card company let a transaction go through on a closed account, when the consumer is not expecting a charge to go through at all? 

In all of the years I've used credit cards, I've never seen a credit card company allow a charge on a closed account. 

This company is PNC Bank, and their PNC Cashbuilder card.
Product: Credit reporting or other personal consumer reports

XXXX is allowing the following six companies to report continues inquiries within my consumer report : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, flagship credit acceptance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies can not provide me with any signed documentation to support these false inquiries, I have provided my ftc report and other supporting documentation informing these companies these inquiries are a result of identity theft.