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

To Whom it May Concern ; This is in reference to the Consumer Report sent by SELF FINANCIAL. While checking my credit report, it came to my notice that SELF FINANCIAL has furnished an account ACCOUNT #XX/XX/XXXX on my Consumer Reports. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major Credit Reporting Agencies XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by SELF FINANCIAL will amount to Communication. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information, I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearly states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX  ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. I have not surrendered my consumer or privacy rights by giving SELF FINANCIAL permission to communicate and disclose MY NON PUBLIC PERSONAL INFORMATION WITH NONAFFILIATED THIR PARTIES Please do not provide me with specific information regarding the account since this letter is not addressing, disputing the inaccuracy or discussing verification or validation of the alleged. Please do not provide me with statements, payment history, or any other specific details pertaining to the account
Product: Credit reporting

I discovered there were billing issues with XXXX merchants. Customer service assured me the balance would receive a credit and my new invoice would reflect that change- This did n't happen and I was erroneous reported late. This needs to be reversed and corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card with Avant Card in XX/XX/XXXX and decided to close it in XX/XX/XXXX, on XX/XX/XXXX I closed the account, they said the balance was {$130.00} and I paid it right on the spot so it was paid in full and closed. I never heard from them again. 
Now on XXXX XXXX Avant went and posted a XXXX delinquent on my credit report for {$4.00} this bringing my XXXX credit score down XXXX points, I called them and their answer was after it closed there was small interest due, I told them once I paid you in full and you closed the account you can't go ahead and add interest on a closed account. Now this was closed in XX/XX/XXXX and they just posted this on my credit in XX/XX/XXXX. I am right in the middle of getting a mortgage and if they don't clear this error off my report I will lose the funding, lose the house we are purchasing and ready to close on and have a heap of trouble with the people we are selling our home to, all of this because of a {$4.00} error on their part that they don't want to take responsibility for. I need help or I'm going to lose the houses and thousands of dollars. 

Thank You
Product: Debt collection

The debt was posted on my credit report and I contacted the company. I asked for a contract and validation of the debt but they told me it wasn't necessary, so I never received the information. I disputed with XXXX and they kept it on my credit report even though the data wasn't validated on XXXX and XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are reported as delinquent in XX/XX/XXXX and XX/XX/2017 and they were not. I received a deferment of payment for a year due to a medical emergency and it doesn't show and has been reported incorrectly. I want it removed and my XXXX score returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting " 30 days late '' on my credit report.for the XXXX XXXX   account. XXXX XXXX has notified Equifax that their company should have never reported a 30 days late in XX/XX/2017 on my account. Equifax has also been notified by XXXX XXXX  that a manual update was entered to correct their error.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. 
I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted.The information I am disputing is as follows : BANK XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I borrowed XXXX from XXXX XXXX  and had made {$800.00} worth of payments so far. I checked my balance and I still owe XXXX plus. In Ohio predatory lending is illegal and so are vehicle title loans. I would like my interest to be at a 36 % APR which is the max that can be charged in Ohio. I believe my rate is over 700 % at this time.
Product: Credit reporting or other personal consumer reports

NORDSTROM ACCOUNT XXXX OPENED DATE XX/XX/XXXX AMOUNT {$4800.00} RESPONES WAS SENT I DO NOT AGREE I WOULD LIKETO CONTINUE THIS COMPLAINT, THE SO-CALLED PROOF WAS NOT ACCURATE. 
THE PROOF THAT WAS SENT IS INACCURATE THE APPLICATION SAYS IS WAS APPROVED WITH A SOCIAL SECURITY NUMBER THAT IS NOT MINES ( XXXX ) ( EMAIL XXXX NEVER BEEN ASSOCAITED WITH ) ( ADDRESS XXXX XXXX XXXX  XXXX I NEVER LIVED THERE ) CREDIT STATEMENTS I NEVER RECEIVED IN THE PAST BECAUSE I NEVER LIVED AT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I WAS XXXX  FROM 2014-2021 IN 2022 I MOVED IN A XXXX  XXXX   FOR XXXX XXXX  VICTIMS. 
2023- CURRERT XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
AS I STATED IN MY POLICE REPORT THIS WAS AN ACT OF XXXX  FRAUD WHILE XXXX. PLEASE REMOVE!!!!!!!
Product: Credit card

I applied to an XXXX  XXXX credit card with BoA, because it shows on XXXX  checkout website : " Apply now and get a response in as little as XXXX seconds. If instantly approved and activated with an account numberyou can book your next flight immediately and start earning miles today. '' However, after activation, I didn't receive any card information, including the temporary account expiration date or security code for activation. I called the XXXX from BoA, but he just said he has nothing to tell us until we receive a physical card after a couple of weeks. There is even no way to change the mailing to overnight shipping. 
My husband and I both think it is a misleading advertisement. 

We also lose the cheap price for the flight while dealing with this problem for over XXXX minutes.
Product: Credit card or prepaid card

I received this BMO Harris Bank Mastercard which stated that I would receive a {$200.00} credit after spending {$1000.00} in the first 3 months of the card. I spent more than the {$1000.00} that was required and never received the advertised credit or cashback. I've spoken to them numerous times and been ignored some have even laughed on the phone which is very poor customer service. I hope this bank gets investigated for false advertising.
Product: Debt collection

I received a letter from XXXX XXXX XXXX - in XXXX Texas stating I owed a debt for an apt complex. The account was in another name the year before and it was taken off all credit reports. Account seems to have been bought and back on my credit reports- when I sent a letter demanding the original debt proof etc the letter was returned to me unable to deliver- The address on my credit report and the letter it is the same but yet no contact since then but they have managed to have my credit score go down over 45 points for no good reason.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance regarding an ongoing issue with inaccurate information reported by XXXX XXXX XXXX XXXX ( Account Number : XXXX ). Despite my efforts to resolve this matter directly with the credit reporting agencies, the incorrect information continues to appear on my credit report, negatively impacting my creditworthiness. 

Issues with Reporting : I believe that the following inaccuracies violate my rights under federal consumer protection laws : Fair Credit Reporting Act ( FCRA ) : 1681e ( b ) : This section requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. The persistence of incorrect information suggests a failure to meet this standard. 
1681i : This provision gives consumers the right to dispute inaccuracies and requires credit reporting agencies to conduct reasonable investigations of such disputes. Despite my dispute, the inaccurate information remains, indicating a lack of compliance with this requirement.

1681s-2 : This section holds furnishers of information, like XXXX, responsible for ensuring that the information they report is accurate. If XXXX has not corrected the inaccuracies after being notified, they may be in violation of this law. 

Additionally, I request a complete history of the checking account associated with XXXX XXXX XXXX XXXX. This information is crucial for me to understand the discrepancies in the reported information and to verify the accuracy of the account details. 

I kindly ask the CFPB to investigate these potential violations and enforce compliance with the FCRA regarding my account. The presence of this inaccurate information is adversely affecting my credit score and my ability to secure credit and financial opportunities. 

I have documented all communications regarding my disputes and can provide additional details if needed. Thank you for your attention to this matter. I look forward to your prompt response and any assistance you can provide.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a concerning and ongoing matter involving XXXX XXXX The essence of this complaint pertains to the violation of my consumer rights and fair lending practices, as well as the mishandling of a billing dispute, which has had a detrimental impact on my financial well-being. 

On XX/XX/XXXX, I received a notice from XXXX XXXX notifying me that my credit card account, ending in XXXX, was past due by {$30.00}. This notification was both shocking and perplexing, as I possess substantial evidence demonstrating the absence of any overdue payment on my part. 

This dispute originated from a billing error resolution case that dates to XX/XX/XXXX. Since then, the situation has escalated, culminating in my case being elevated to the office of the president at XXXXXXXX XXXX However, despite my concerted efforts to rectify the situation and provide evidence supporting my position, I find myself unfairly targeted. 

In response to this situation, I have not conducted any transactions on my credit card account since XX/XX/XXXX. Subsequently, when I initiated a fraud claim, XXXX XXXX deactivated Card ending XXXX, which was originally associated with the alleged debt. They then proceeded to issue a different card, which I never received. Subsequently, they expedited the delivery of Card Number : XXXX, a card that remains inactivated due to the ongoing dispute.

My primary contention is that, under the Fair Credit Billing Act ( FCBA ), my rights have been systematically undermined. I initiated a dispute on XX/XX/XXXX, ( Case # : XXXX ), asserting that the entire balance is erroneous and should be disputed. In adherence to the FCBA, XXXX XXXX was required to provide provisional credits. Regrettably, they did not do so. Instead, they intermittently provided and subsequently removed these credits, which contravenes the requirement stipulated in Section 1026.13 of the FCBA. This section necessitates the completion of the dispute settlement within 90 days, and creditors are prohibited from attempting to collect any disputed amount beyond this period. 

Furthermore, my credit score has been adversely affected due to XXXXXXXX XXXX 's actions, resulting in a drop of XXXX points. This stems from their unjust reduction of my credit limit from {$1500.00} to {$300.00} amid a heightened dispute, a measure I deem punitive and in violation of our contract.
Product: Payday loan, title loan, or personal loan

I have noticed the company ( One Main Financial ) has been applying frivolous interest fees not disclosed to me initially, also they refused to provide me with contract signed accepting such impossible interest terms. 
I've stop payments to this lender as on today 's date due to their lack of response to provide me with contract signed. 

Hard copy of contract was never explained neither given nor delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to XXXX  and TransUnion. XXXX  has deleted this account but TransUnion continues to report. I have not received an updated credit report as requested so at this time I have not received a response from TransUnion LLC. 
Please see attached documents.
Product: Mortgage

I purchased my home XX/XX/XXXX through XXXX XXXX  XXXX. In XX/XX/XXXX, I received notice from XXXX that they were transferring the servicing of my loan to NewRez LLC, effective XX/XX/XXXX. Unfortunately, the notice was too late for my XXXX payment, and that payment was sent to, received by, and cashed by XXXX. That mortgage payment for XX/XX/XXXX has never been applied to my account, resulting in a recent, XX/XX/XXXX, Notice of Intent to Foreclose. I have been in touch with NewRez about this. I have provided them proofs of payment ( XXXX XXXX  bill pay receipts ) for my mortgage payments from XXXX through XX/XX/XXXX, and I provided them with the confirmation number and transit number of the XX/XX/XXXX payment given to me by XXXX. To date, neither my NewRez account has been updated, and also my XXXX from them for XXXX appears to be incorrect as it does not seem to reflect all my mortgage payments, interest, and taxes.
Product: Credit card or prepaid card

Hello, I opened this account ending in XXXX with a {$300.00} collateral deposit on XX/XX/22. 
I closed account on XX/XX/22, instructing rep to apply entire deposit to {$300.00} balance. 
When that did not happen, I paid {$35.00} statement payment on XX/XX/22 to avoid default. That amount was refunded on XX/XX/22, along with {$260.00} of my {$300.00} collateral payment applied to balance leaving over payment due to me of {$35.00}, because had I not been forced to make my XXXX payment, the entire deposit would have paid original balance. Enclosed documents prove this, including XX/XX/22 chat with rep XXXX promising processed {$35.00} refund.
Product: Credit card

I have been fighting with Cavalry SPV I LLC regarding their practice of illegally re-aging my collection account in an effort to cause undo financial hardship on me. This seems to be a common practice with today 's debt collects where they buy a debt that has aged out 5-6 years and then re-report it on your credit report as of the date they purchase it. The problem is by law ( in most states ) the collection account is only valid on a personal credit report for a total of 7 years. When the collection company re-ages it, the consumers credit scores takes a significant drop ( in my case over XXXX points ) as the debt looks like it just went to collection. Secondly, they do this so they can have the debt on your credit report for an additional 7 years. This Company should be investigated for their practices not only in my case but in all the consumers they have affected. I have went thru the expense of hiring an attorney to assist in this as well but it seems to fall on deaf ears. The Company 's lawyer ( who I will list below for CFPB to contact ) claims her client knows nothing about the issue and refuses to address it. So here we are, hopefully the CFPB can address this promptly and all the consumers who have been violated under the law will take some form of satisfaction in seeing Cavalry SPV get what they have coming to them. {$1000.00} fine for each violation. The max allowable by law. 
Attorney for Cavalry : XXXX, XXXX. 
XXXX , XXXX 
XXXX, NJ Office : XXXX, XXXX, NJ XXXX Tel : XXXX Fax : XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

This what it says We have encountered an internal server error. Please note that your order has been canceled. Sorry about the inconvenience. Still not allow to enroll before all this i had account for 2yr yall the one that block the my acccount yall need to fix I submit Doc for verification Do I need to get Lawyer because yall stoping me for looking at information by law Thank you!!!! Escalation Issue XXXX Dear XXXX, Thank you for contacting us.? We apologize for the delayed response. 

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Please re-enroll into the membership of your choosing at? www.experian.com.? Please use a " different username ''.? Please make sure you use a completely different username than one you used before to try to create an account. Your email address will automatically populate in the username space, so if you use the same email address, be sure you change the username during the enrollment process.? 

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Make sure you complete all sections of the enrollment.? Please attempt to submit the new enrollment request ensuring that all of your personal information is inputted accurately and that you answer the verification questions to the best of your ability. 

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The following steps are also suggested to ensure that you have optimum access to your membership :? 

Please clear out your temporary files/cookies/browsing history. 

You may consider using a different browser to access the membership. XXXX XXXX or XXXX XXXX are the most compatible browsers for our websites, in terms of logging in and viewing the information we have provided to you. XXXX XXXX XXXX XXXX may also work. You may also try XXXX XXXX go to tools and choose " new incognito window '' or " in private browsing '' to enroll or login. 

When you attempt to enroll or log in again, ensure youve completely closed your internet browser from any previous use, so that youve entirely closed out any previous sessions. This will reset any potentially open sessions. 


If these steps have not resolved your issue, please contact the Experian Disputes Center at ( XXXX ) XXXX at your earliest convenience to request a hard copy of your report to confirm and correct any missing or incorrect information. Information entered into the system upon enrollment should match the information with the credit report. Please have Experian Disputes Center check your report for variations in your social security number, your name and that you do not have a mixed file or variation in a pin number.? 

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If you need any further assistance, please email us? at? XXXX.? When you respond, please include your ticket XXXX XXXX? in the subject line. 

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We apologize for any inconvenience. 

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Thank you for choosing? Experian.com.??? 

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Sincerely,? 

XXXX XXXXCustomer Care Team
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

Requested Address Correction and Fraud Alert removed. Sent Address Affidavit XXXX times
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed fraudulent accounts on my credit report, these accounts need to be remove from my credit immediately please remove this account from my report because its hurting my credit. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$73000.00} XX/XX/2015 I CONTACTED ALL 3 BUREAUS AND FILED DISPUTE
Product: Credit reporting or other personal consumer reports

I recently reviewed my Consumer Reports and noticed that I had several late payments reporting. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. Reporting late payments is unlawful/illegal according to 15 U.S.C 1681a ( 2 ) ( B ) and 15 U.S.C 1666 ( B ), I have a right to privacy and did not consent to any information pertaining to late payments being reported on my consumer report.
Product: Credit card

I reset my password over the weekend and since then I have had my password reset several times on Monday and Tuesday. 

I am concerned because I have had issues in the past and this particular credit card is out of Ohio. 

The main credit card closed and I have no one to reach out to. 

XXXX Commenity Bank Additionally, the company was made aware of an address change and the company did not correct this for 9 months. This person at the old address could be using the information to obtain my login.
Product: Checking or savings account

XX/XX/22 XXXX PAYMENT XXXX XXXX XXXX XXXX {$500.00} XX/XX/22 XXXX PAYMENT XXXX XXXX XXXX XXXX {$670.00} Unauthorized transaction. Wells Fargo stopped any additional payments, but denied these claims.