23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an XXXX XXXX XXXX account through Comenity Capital in XXXX 2016. Their practices seem to be highly unethical. For example, if the account is used for a restaurant or hotel or other service that submits for pre-authorization, Comenity puts through the final charge and also holds the original pre-authorization amount for 10 days. Effectively this is a duplicate charge to the account that renders what should be available funds as unavailable. I addition, Comenity does not accurately report account balances to the credit bureaus. I have both a XXXX & XXXX XXXX credit card that are handled by Comenity. I recently paid down my outstanding balances to improve my credit score as I intended to purchase a car that required a loan. In stead of my credit score improving, it actually decreased as Comenity failed to report the payments made to reduce my balance significantly and has n't done so to date. I also paid off the entire balance for the XXXX account only to be charged an additional {$15.00} interest charge after the fact. How is this legal? Following is their response to my quesry about the charge- Thank you for your recent inquiry to our Customer Care Department .
Comenity Capital Bank issues your account and responds to all credit related inquiries. This card is issued by Comenity Capital Bank pursuant to a license by XXXX XXXX XXXX. XXXX is a registered trademark of XXXX XXXX XXXX.
I apologize for any confusion this has caused. On your previous statement, you were informed of an update to your Credit Card Agreement for your account. This notification was to inform you that beginning on your next statement, purchases made outside a Grace Period would be assessed trailing interest resulting in a finance charge after the balance is paid in full. A Grace Period is a period in time in which credit extended can be repaid without a finance charge being assessed.
Interest is charged from the transaction date until the balance is paid in full. Since interest is calculating until the date the payment is received, you will receive a statement for the interest charged in the previous billing cycle. If you pay the trailing interest finance charge statement by the due date, you will not be assessed finance charges during that bill cycle the following month as long as no additional purchases are made.
We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button.
Sincerely, I. XXXX  Internet Customer Care Team I appreciate your help, Sincerely XXXX XXXX XXXX
Product: Checking or savings account

A capital One 360 account was open and after months of reaching out, they accused my mother of opening an account in my name without my approval. My mother doesn't know nor does she have any of my information. Their support staff team are very rude and disorganized. It seemed to had been added to my credit as well. They claim money is due on the account. They do not call back after stating they would have a supervisor give me a call. I've tried calling everyday for three weeks straight and it is always some type of accuse as to why I have to wait for a callback. No one gives me any reason as to why I haven't received a callback.
Product: Payday loan, title loan, or personal loan

MONEYLION is lying and claiming I owe them money so that they can deny me access to their instant cash program. I do not owe these scammers anything. 

They are clearly trying to extort me for their personal gain to fund their elicit habits. 

This is the only chance that this scam has to do what they are told. If they continue to refuse and extort me, I will be forced to pursue legal action to get what I want.
Product: Credit reporting or other personal consumer reports

SUBJECT NOTICE OF INTENT TO FILE ARBITRATION FOR CONSUMER REPORT VIOLATION To Whom It May Concern : I hope this letter finds you well. I am writing to express my concern regarding the accuracy and integrity of the information contained in my credit report, which is maintained by your agency. I wish to emphasize my commitment to fair and accurate consumer reporting. These violations have had an impact on my Creditworthiness and have caused me undue financial hardship and XXXX XXXX  After careful review of my report, I have identified several instances where the information provided appears to be in violation of the Fair Credit Reporting Act. I have sent several letters trying to fix this matter which you have willfully neglected my attempt to rectify this matter. I have kept dates and responses provided via CFPB portal. 
I also want to let you know the original agreement. The Arbitration clause within agreement outlines a mechanism for dispute resolution that's we both agreed upon. Its hope that we can resolve this matter amicably and avoid the necessity for XXXX, which will result in substantial cost and fee for us both because this is causing me a lot of issues in my financial Life. 
I propose the following options for resolution : Option 1 : remove the following items reporting inaccurately below : XXXX. XXXX XXXX  ACCOUNT # XXXX XXXX. This account is reporting inaccurate please delete or pay fine of {$1000.00} per violation 3. Option 2 : Initiate Arbitration 4. Should your Company prefer not to remove the flowing items above, I AM PREPARED TO INITIATE ARBITRATION PROCEEDINGS AS ALLOWED BY OUR AGREEMENT. This process may entail substantial costs and fees including my filing fee, your filing fee, Arbitration initiation fee and arbitration deposit, and any legal costs incurred during the arbitration process.

5. I believe that an amicable resolution is in the best interest of both parties, however, I am prepared to pursue arbitration should that be necessary to uphold my rights and ensure fair credit reporting. 
SINCERELY, XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

I was randomly called by the phone number XXXX. When they called, it came up as a unknown number, the girl name XXXX, who left a voicemail is the one that left that phone number and said it was urgent and to call back. Upon calling back, they had information that was available online if re-searched like my old addresses, and they claimed to have sent me multiple things in the mail about money owed from a loan I took out in XXXX. I have never taken out a loan especially not in XXXX  when I was only XXXX my credit has never been good so Ive never been able to take out a loan. Nor has there been any documentation sent in the mail about anything owed for a debt from a Wells Fargo bank. When I called back, she confirmed her name is XXXX and the phone number life was XXXX. She said she was with XXXX associates. She said she would give me a XXXX hour legal hold before it is escalated and they would sue me and take me to court. When calling back to get more information on the actual company shes calling from she answered and kept me on hold indefinitely, and that proved to me it was fake. upon checking my email and all old mail that Ive been sent within the last month. Nothing matched and its confirmed that this was a scam.
Product: Mortgage

I can not reach a live customer service rep. when I call Seterus at XXXX so I am asking for your help. My mortgage servicer, Seterus, has been collecting my ARM Loan for many years. The interest rate typically changes every XXXX or XXXX according to the LIBOR rate and Seterus, notifies me in writing every XXXX if there is a change in my XXXX and subsequent payment amounts. Going back, my monthly payment as of XXXX XXXX was {$580.00}. My monthly payment temporarily changed earlier than the normal XXXX of each year to {$590.00} for XXXX, XXXX & XXXX XXXX. No explanation was given for the higher payments in XXXX, XXXX & XXXX. That had never happened before in the 12 years I have been paying my mortgage. Then as expected in XXXX XXXX it changed to {$580.00} according to the LIBOR Rate at that time. My monthly payment has stayed {$580.00} up until the present time as I have not received any notice from Seterus that my payment went up or down in XXXX XXXX. I assumed the LIBOR rates had not changed so my payment would logically stay the same. The last payment I sent early to Seterus of {$580.00} was for XXXX XXXX. The automated voicemail system at Seterus confirms they received the XXXX XXXX payment of {$580.00} on XXXX XXXX, XXXX. Since my Chapter XXXX Bankruptcy was discharged a few years ago, Seterus never sends me monthly statements any longer. But now I have received an Account Statement letter from Seterus saying I owe them {$1200.00} by XXXX XXXX, XXXX. The statement says my Monthly payment is now {$600.00} and under a heading titled Activity Since Last Statement, they are charging me a late fee as of XXXX XXXX, XXXX of {$21.00} implying I did not make the XXXX XXXX payment. First of all, I do n't get statements from Seterus and secondly, I am not late on my XXXX XXXX mortgage payment. They received the {$580.00} earlier on XXXX/XXXX/XXXX. Plus they list {$87.00} as Other Charges in the total of {$1200.00} they say I owe them. It is not my intention not to pay my mortgage. But if I send them {$1200.00} then Seterus is collecting twice for XXXX XXXX as they already accepted {$580.00} on XXXX/XXXX/XXXX for my XXXX XXXX payment. I can see them saying I owe them XXXX if that is what my monthly payment went up to back in XXXX XXXX. I just wish they had notified me of the change. So I am going to send them {$600.00} and a letter of explanation of why I believe their Account Statement Billing is in error. But I also think I need your help as a go between. Thank you very much.
Product: Credit reporting or other personal consumer reports

There are some inquiries on my report that I didnt do. I started a dispute but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX Date :XX/XX/XXXX 2016 Amount :  {$480.00} This account was paid and needs to be completely removed off my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Update personal information. See letter attached.
Product: Debt collection

On XX/XX/XXXX CommonWealth Financial Systems presented me with a letter via mail, about a debt in the amount of {$270.00} for a medical debt with the original creditor being XXXX XXXX XXXX, original acc # **********-****XXXX. They advised me that my account had been placed with them for collection and to remit payment. I remitted a payment in the amount of {$190.00}, a discounted amount offered in the letter to resolve this account. A account that had been held by XXXX  XXXX XXXX ( XXXX ), a debt collection agency. However, Account Resolution Services was contacted after this was paid through XXXXommonWealth Financial Systems ( paid on XX/XX/XXXX ), and they disclosed that this particular account, On XX/XX/XXXX, the business XXXX, provided the following information : " We have reviewed our records in this matter, and find the following. XXXX XXXX XXXX XXXX has had three accounts placed with us by our client, XXXX XXXX XXXX, XXXX. XXXX number XXXX for a balance of {$240.00} and reference number XXXX for a balance of {$270.00} were recalled from our office by our client, those accounts were deleted from the consumer 's credit report at the time of closure. Our office does still have one active account for the consumer. Reference number XXXX for a balance of {$260.00} for services rendered on XX/XX/XXXX remains with us. '' Thus, I was contacted by CommonWealth Financial Systems fraudulently, in a successful attempt ( as I paid what they asked ) to collect on debt that no longer existed. I reached out to CommonWealth Financial Systems and was sent a letter by them, showing they had been paid, and this debt was no longer due. I would like to report this company for their fraud.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX
Product: Debt collection

I had 2 negative credits in my XXXX from XXXX XXXX XXXX that were not mine they they were despite and deleted I got the letter in the mail X/XX/2017 from XXXX then I got a letter from XXXX XXXX XXXX XXXX XXXX. On X/XX/2017  that XXXX XXXX XXXX had sold the previously deleted accounts to pendrick capital partners who then placed it with commonwealth financial systems inc to go back on to my XXXX saying owe them money that I do not owe and again was deleted of off my XXXX. Account number XXXX for the amount of XXXX $ and account number XXXX for the amount of XXXX $
Product: Vehicle loan or lease

Hello Dear Consumer Financial Protection Bureau I am XXXX XXXX XXXX, and I'm writing to you regarding an extra charge on my vehicle loan charges from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 
I attempted many times in writing with the financial assignor in the dealership to disclose the charges. But I did not get any response in the last 60 days. 

The complaint is about purchasing XXXX XXXX XXXX XXXX  Contract number with westlakefinancial.com is XXXX Contract Number with XXXX XXXX XXXX XXXX is # DEAL XXXX # CUST XXXX Vehicle VIN : XXXX Here is the explanation about the default. 
I entered the dealership in person for the mentioned vehicle for the retail price of {$14000.00}. I negotiated with the salesperson. ( XXXX ) to reduce the price for adjusting the match price with certified Websites like XXXX, XXXX which is around {$8000.00} to {$10000.00}. 

The salesperson approved for {$1200.00} Cash Discount on the sales price + AN OPTIONAL Warranty Value Discount for {$2000.00}. 
Which Makes the Principle Vehicle Retail Balance to : {$14000.00} - {$1200.00} - {$2000.00} = $ XXXX+tax They also charged these extra charges as warranty and other fees for closing costs total for {$2000.00} includes ; - Portfolio Protection for {$1400.00} - Express Gap for {$490.00} - Estimated Testing Charge for {$50.00} - Electronic Vehicle Registration or Transfer Charge for {$30.00} - Document Processing Charge for {$85.00} I also paid {$1000.00} in-person to dealership as Down payment Thus the total balance should be ; {$10000.00} - {$1000.00} + {$2000.00} + Tax = {$11000.00} + Tax But I see different numbers in the Retail Installment Sale Contract. That shows the amount financed is {$17000.00}! What makes around {$6000.00} Difference. plus interest charges of this difference in % 9.99 interest rate for 72 months!!! 

I'm not accepting the current liabilities in the contract and absolutely no response from the dealership. This made me frustrated and I'm not affording the time, price & energy to followup on this situation anymore. 

Please help me resolve this situation at the fair. 

Thanks XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Actual Statements : The uploaded documents I received from XXXX Shows XXXX is intentionally and maliciously reporting wrong data to the credit bureaus. 

This may because I have ask for validation of this account via original signed contract, origned agreement, or signed application for credit bearing my signature and they have failed to do so after several disputes. 

As I stated, I have requested : proof by means of signed agreement, or signed contract, or signed application for credit showing I applied to this account in a joint status. i could not of signed for joint status my credit was too poor, I was an authorized user on this account and they have reported irregularities on one credit bureau its a individual account and another its joint. They do not have supporting documents required by law abd that is a second reason to remove this account! This account is over 8years old! 

I demand this malicious creditor and/or the credit bureaus remove this from my account immediately! This is damaging me And have been for years until recently noticed! 

Attached you will see where XXXX has repeatedly reported innaccurate information such as the late months and charge off. The last sheet shows one thing and these show another! Im going to sue you all if you dont remove this account immediately! 

You both are breaking federal law
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite of having sufficient funds when transaction was authorized, I was charge fees due to lagged posting of charges and credits. This issue aligns with CFPB against Navy Federal Credit Union with similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices is unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a method of verification from each credit bureau. Each time the credit bureau has neglected to provide me their method of verification. This is my third tie=me submitting a complaint and my FCRA rights are being violated as I have a right to the documentation they used or receive to verify this debt. They keep coming back with verified by the furnisher, how and what proof do you have or the furnisher that verify this debt as the court do not verify. These XXXX credit bureaus are playing games and is stalling, it took them over 30 days the firs time and again I asked for A15 day method of verification and still again nothing. Under FCRA Section 611 they have to provide their method of verification and you guys are keep closing my XXXX disputes. I want this public record DELETE NOW. I WILL SUE FOR WILLFUL NON-COMPLIANCE UNDER SECTION FCRA B 616. THIS IS MY THIRD XXXX DISPUTE AND THE CREDIT BUREAUS ARE IN VIOLATION. DO NOT CLOSE MY COMPLAINT UNTIL THIS ITEM IS REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

Unrecognized credit pulls on credit profile
Product: Credit reporting

the company has listed several recent inquiries that I am not familiar with and I would like them removed. my score was just literally over XXXX and now it is back down bc of this. I strive hard to keep my score going up, please do n't let my progress get hindered by fake inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to reach out to TransUnion 3 times to remove a fraudulent account from my credit profile and they have not. Nor have I been sent any supporting documents or a detailed explanation of their past investigation progress. 

The account XXXX Acct XXXX XXXX is fraudulent, and also the name on the account is " XXXX XXXX  ''. My name is not " XXXX XXXX  '' I have asked them to remove this inaccurate and fraudulent account many times and they have not responded or removed the account. 

I have also submitted a Fraud Affidavit with the Federal Trade Commission.
Product: Checking or savings account

I'm being denied access to the billpay service for no other reason than I do not have a cellphone that gets text messages. 

This is a discriminatory practice to old people with bad eyes and XXXX who are physically incapable of using a cellphone and can't afford the cost of a bunch of tech gadgetry just for this one thing.

I'm sick and tired of millennials and their toys dictating how I'm supposed to conduct my business. I thought I was doing great just to have internet. If you're going to do this, then it should be mandatory to state in your adverting : " if you don't have a cellphone that gets text messages, don't bank here. ''
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies in how XXXX XXXX has reported my account to the credit bureaus Experian and XXXX. These actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. This company has several class-action lawsuits against it for predatory and immoral practices ( ex. XXXX XXXX. XXXX ). I believe I am a victim of such predatory practices, and demand this account to be removed immediately. Moreover, the account status have not been updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. XXXX XXXX  has also reported inconsistent and inaccurate information to Experian and XXXX regarding this account. Specifically, the account status is reported as " Paid as agreed '' on XXXX, and " Legally Paid for Less than the full balance '' on Experian. Also, the last payment date is reported as XX/XX/year> on Experian, and XX/XX/year> on XXXXThe account status is " Open '' on XXXX, yet " Closed '' on Experian, and there are several other inconsistencies as well. XXXX has already removed the account due to these inaccuracies. Despite multiple disputes, both credit bureaus continue to report this inaccurate information, indicating XXXX XXXX  has failed to fulfill its obligations under FCRA Section 623 ( b ), which requires a reasonable investigation of disputes and the correction of errors. These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.
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. 

1, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, 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 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 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.