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

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for violating my rights under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act. 

I believe that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have failed to comply with the following provisions of 15 U.S.C. 6802 : Opt-Out Right : The company has failed to honor my right to opt out of the sharing of my non-public personal information with non-affiliated third parties. 
As a result of these violations, I have been denied credit and wrongfully closed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries serve no memory as being made by myself and I asked for them to be investigated and removed as I have spoken to the company and all they did was place an alert on my credit file, instead of taking actions as what appears to be a data breach. The items are as follows : 1.XXXX XXXX XXXX, XXXX 2. XXXX XXXX, XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX, XXXX, XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX, XXXX 8. XXXX XXXX XXXX 9. XXXX  XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX 14. XXXX XXXX XXXX 15. XXXX XXXX XXXX 16. XXXX XXXX XXXX 17. XXXX XXXX XXXX 18. XXXX XXXX XXXX 19. XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX 22. XXXX XXXX 23. XXXX XXXX XXXX 24. XXXX XXXX XXXX 25. XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Synchrony Bank Paypal Mastercard. Their site does not disclose the posting guidelines for payment cut off times to be considered on time. When I made a payment recently, it was a Sunday, XX/XX/XXXX to be exact. I looked on the site to see what the posting deadline was. I was in a trade show all day, and completely overlooked it was the XX/XX/XXXX. I saw no posting policy, nonetheless I made the payment. When payment was made I got a reply that said, " You paid before the due date. If a late fee appears, it will be automatically removed '' The late fee was indeed on my account already on the XX/XX/XXXX.

I checked the account on the XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. Fee was still there.

I entered a chat with a representative on the XX/XX/XXXX and assured that it would be gone by the end of the night. 

Today, XX/XX/XXXX, the fee remains. I entered a chat again with XXXX XXXX, an escalation account manager. While he did waive the fee, and confirm it was done, I am filing this complaint with the CFPB as XXXX told me there is NO POSTING ON THEIR SITE OF POSTING TIMES! 

How can a consumer RELY on a DEADLINE, if the bank takes the position, " I am not sure if I can share that information with you '' - this is what he said to me in chat. 

I do believe bank laws and Fair Credit practices are in place to protect consumers from banks " making rules as they go '' - which in this case, and no published policy on their website, they can absolutely do, ultimately harming the consumer.
Product: Money transfer, virtual currency, or money service

Venmo has frozen my account. They insist that i send them bank statements including the bank linked to my account. I have done that and they continue to freeze the account asking for " A statement for the BANK that you were attempting to add on XX/XX/23. '' I frankly do not know what they are talking about but they claim for security. Since they didn't add this account and i have validated my identity and the correct funding account it is also irrelevant. Meantime, there is XXXX locked in the accoutn and it is literally IMPOSSIBLE to get a human on the phone to resolve this problem. Frankly, i would close the account and never do business with them again, but there are payments recipients that will only accept venmo. I am trying to get them to XXXX which at least has some customer service Anyway, it is fine that they want to validate my identity and my linked account - great - but now that's done and we are still going in circles related to a mysterious bank account which is not even linked to the venmo account anyway! there's no point other than to be difficult while they sit on the cash ( my mistake for not withdrawing every cent immediately which is my normal practice ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to get to my Experian credit report online.
Product: Credit reporting

I have disputed this account multiple times with all the bureaus and XXXX its self. I have not received any kind of response concerning this account. The account is reporting as a collection with a balance that is not correct. This account was paid by another cellular company when I switched out contracts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original mortgage was serviced by a different lender. Under our original lender, we were in a protected COVID Forbearance starting XX/XX/XXXX, with an end date of XX/XX/XXXX. We were fully up to date on payments with no delinquency before the forbearance. 

Attempted multiple times to set up a repayment plan with previous lender and were given incorrect information multiple times. A previous report was filed against them for this already and I have never received a response. 

While waiting for the repayment plan to be finalized, we were notified that original lender had sold our loan to ShellPoint Mortgage and it would be transferred on XX/XX/XXXX. Conveniently for them, one day AFTER the forbearance protection would end, with no repayment plan set up despite asking for several months to set one up. We were told by our previous lender that they could not do anything to set up repayment plan before the transfer, but that we would be protected for 60 days until ShellPoint could set it up with us.

Made several attempts to contact ShellPoint immediately after transfer in the first week of XX/XX/XXXX, and were told that the documents weren't there yet and needed more time. After much back and forth, we were finally able to set up a repayment plan. 

ShellPoint told us that we had to make 3 trial payments beginning in XXXX, and then the loan modification would be final. Told us that there would never be an delinquency reported as long as we made the payments.

We made all 3 trial payments on time, finalized the loan modification, and then began making regular payments on the new modified loan. 

Shortly after, we found out that they are reported us as delinquent to the credit bureaus. We have attempted to resolve this multiple times with ShellPoint directly. They apparently reviewed it and the deny any wrongdoing and continue to report us delinquent.

We have actual financial damages from this incorrect and illegal reporting. Our credit has taken a substantial hit and we are no longer eligible for credit that we should be eligible for. We are seeking that ShellPoint immediately rectify their credit reporting. We are also reporting this with all 3 credit bureaus. 

I am requesting an update from CFPB when this complaint is processed.
Product: Credit reporting or other personal consumer reports

I had received some notifications that both mine and my husband 's social security numbers were found on the dark web. Of course, we immediately ran our credit reports and found the same erroneous information that we had accounts in collection dating back to XX/XX/year> for the amount of {$1100.00}. The item was allegedly reported by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I never heard of that company before and they never sent me any bills or made any attempt to collect anything. 
My husband 's credit report contained the same erroneous entry of an account in collection from the same company in the same amount. I am not positive if it was from the same date. Trying to verify but the Transunion site wasn't working. 
The complaint I am making is Transunion. They immediately closed the complaint saying the information was accurate without and evidence whatsoever. I also need to mention that only Transunion lists that account- it's not present on XXXX XXXX XXXX. I would have hoped that since our SSNs were compromised and our credit is outstanding other than this one item, they wouldn't just immediately close with no investigation or explanation.
Product: Credit reporting or other personal consumer reports

I tried disputing incorrect address on my credit report several times and got no results. So the address listed as my current address is incorrect and I know nothing about it. I have sent my license, a current utility bill, my bank statement with address and my current paystub that also has my address information on it as proof.
Product: Debt collection

I was out of the country for 2 years, before i left the country i paid all my debit and i had enough money in my checking account just in case i forgot to pay some financial obligations, when i came back to the US i found out that TD credit card company is asking me to pay {$400.00} i asked then to show me the details about the charges but they fail to do so, then i found out that they transferred the debit to a collection agency
Product: Bank account or service

My husband and I received a total of XXXX letters from Bank of America stating : " Your personal Checking/Savings acount ending in XXXX will be restricted in 21 days, and closed 30 days from the date of this notice. 

After careful review of your banking relationship, we 've made the decision to close your account above. We 're notifying you in advance so that you have an opportunity to make other banking arrangements. We apologize for any inconvenience this may cause. '' The letters go on to list 'What I need to do and What you need to know. ' It is dated XXXX XXXX, 2016 and I received it today, XXXX XXXX, 2016. It has a XXXX ID # and a phone number I can call with questions. The phone number is XXXX Monday through Friday from XXXX to XXXX Eastern. 

By the time I got the letter and called the number they were closed but allowed me to leave a detailed message and stated that they would not be able to tell me why my accounts are being closed and would not reconsider their decision. My husband had called earlier in the day when they should have been open and got the same recorded message I got. The message stated they would call us back. 

I have been a good and loyal customer of Bank of America for decades. I have a good amount of money ( preferred platinum customer ) in the bank, have a mortgage through the bank, and absolutely can not think of anything my husband or I have done wrong. I ca n't figure out what we could have possibly done for them to give us two weeks notice that our accounts are being closed. I 'm creeped out that they have come to some unknown conclusion about me that is so bad that they are severing our banking relationship. I have no way to defend myself. Please help me. I do n't know what else to do. 

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

I appreciate your efforts in addressing some inaccuracies in my file, yet there remain items that require removal. According to FCRA section 605, you are obligated to remove any items listed in an FTC report, specifically FTC REPORT # XXXX. These issues were previously detailed in that report and an earlier complaint, and I am highlighting them again with the new FTC report # XXXX. I have informed my attorney of my plans, and they are prepared to ensure accountability in the event of your deliberate non-compliance. It is important to note that you have 4 business days to remove any inaccurately reported items from my credit file. I do not authorize the use of E-OSCAR or any form of automated verification for this process : Experian : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}. I anticipate your prompt action on this matter and a response within 4 business days.
Product: Debt collection

ERC sent me a letter on XX/XX/23 claiming I owe {$620.00} to XXXX XXXX XXXX. I don't have an account with XXXX XXXX XXXX and never have, and I've confirmed this with them. XXXX XXXX XXXX  agrees I don't owe anything. 

ERC tried this same illegal scam tactic on me a few years back, claiming I owed thousands to another company I've never had dealings with. 

I've reached out to ERC before to ask them to stop. I've also asked them to provide proof of the debts. They've given me XXXX information. All they do is harass me on my phone XXXX hours a day, send letters, and try to attack my credit score. Each time, I contest it -- and they have to stop. But then it starts up again a few months later with a new company. 

ERC is running an illegal scam operation. They are lying, engaging in illegal communications practices, and trying to collect on obviously fake debts. 

I'd like ERC to cease all contact with me and cease all attempts at collecting this fictitious " debt. ''
Product: Credit card or prepaid card

Received a XXXX day payoff quote, sent payment for the total amount due. Payment due date has historically been the XXXX, payment received and processed by Capital One by the XXXX of XXXX. 

XXXX of XXXX, received an interest fee of {$78.00}. Spoke to a supervisor this morning ( the XXXX ) and was told there was nothing they could do. In contrast, I was also told they could help, just not in this situation. 

My entire balance was paid off, I went into the next billing cycle with a credit balance, and was charged interest. This is predatory at best.
Product: Credit card or prepaid card

Hi, I ordered some clothing from XXXX ( Comenity Bank ) and returned them when I lost my job from COVID. I never even opened the packaging. They have received everything back and that was confirmed with XXXX, but they are charging me {$78.00} + {$39.00} + XXXX in late fees and also finance charges. I explained to them and have all the correspondence with them whereas I ask them to remove the late charges as I lost my job and can not pay them. The first lady said when we received the last item ( which was backordered - I did tell them not to send to me ) we can go ahead and remove the late fees and finance charges however they are not willing to help me out and I find it crazy to pay late fees for items I retuned as soon as I got them. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove the following incorrect addresses and employer information from my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employer : XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX
Product: Mortgage

I have applied for modification two times within a year. The company keep denying the application by telling me " I did not include or send in some required documents or it didn't received the documents verifying reason for falling behind on payments '' and/or " the documents I sent is unreadable. '' In short the company concluded, " I did not provide the documents required to evaluate me for MORTGAGE assistance program. '' To the best of my knowledge I sent my bank accounts statements, income pay stubs for the household and written statements to explain the reasons for falling behind on the mortgage payments. I do have copies of the application and everything I sent to company. I am concern now that the company is discriminating against me because I am a minority XXXX American family. Even the company have recently referred my MORTGAGE account to an attorney for foreclose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that was reinserted on my credit from a company that I have never done business with : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX they sold this account to some 3 party junk debt buyer and I never recieced any 30 day notice or contact what so ever. I demand this account be deleted at once due to several FDCPA violation and FRCA violations. I never signed any release for my HIPPA act protected medical records to anyone at any time. 
I have been effected by the COVID 19 Pandemic shutdown and was not able to work due to restiction in the state of Florida I has a few late Payments from XXXX XXXX XXXX XXXX # XXXX I request they be removed and from my credit report.Looking over my credit report I noticed there were some late payments showing and due to the pandemic/hardship I was not able to make those payments on time. The following accounts are listed that show late payments for 2020 XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX, XX/XX/2020.
Product: Credit reporting or other personal consumer reports

On the date of XX/XX/year> I sent out the attached document requesting validation of a debt that I am unaware of that has shown up on my credit report, as well as the certified mail documentation receipt with my wet signature stating that I received the proper notification of said debt. It has been more than 30 days and I have not received anything yet this is reporting on my credit report. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report that collections from XXXX XXXX XXXX are mine. Those collections are at XXXX blaance and never got old enough to be collections, XXXX company has agreed and said that they sent requests to have them removed from my report. Equifax is clearly not verifying ANYTHING with this company because they continue to report these as past due. They have been removed from my report in the past and then added again, which I believe is illegal.
Product: Credit card or prepaid card

I applied for and was approved for a credit card. While i was waiting tio recieve my card in the mail, fruadulent purchases were made. Disover refueses to honor my claim. Please see attached document for further explanation. Thanks.
Product: Credit reporting

Experian has fail to delete unverifiable information on my report. They continue to verify closed or sold accounts that show reaging, recent payments and balances due and collection companies have fail to provide me with account documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : 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 XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX Equifax Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

Violation of the Fair Debt Collection Practices Act ( FDCPA )