23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

In XXXX of 2015, I applied for a XXXX XXXX Bank credit card and I was denied due to the bureaus not providing a credit score. Based on XXXX XXXX Bank criteria, certain information to make a determination for approval for credit was not available to them to make a decision. This decision has hurt my credit tremendously. Attached are relevant documents for this bureau to review and update their information.
Product: Mortgage

The servicer refuses to follow the signed order from a FEDERAL COURT JUDGE. This has gone on for well over a year. I have contacted  XXXX   XXXX  at the CFPB and was told to refile a complain since the matter is not resolved and the servicer refuses to update the payment history to reflect current and cancel out the negative balance. Prior submitted attachments very clearly show that the account should not be escrowed. Previous complaint number is  XXXX .   On the previous response by the servicer they were inaccurate and very clearly have still not followed the judges previous orders.      XXXX   XXXX
Product: Money transfer, virtual currency, or money service

I began process of opening an account with Square so that I could accept creditcards. I am opening a new mobile business but I did not have a website, or even company name yet.

I entered XXXX XXXX to simply get account started. I received notification that my account was open and I could begin accepting payments. I processed a {$1000.00} payment from my own credit card to test their system ( I checked online to be sure this was allowed ). Payment was accepted. 

I received email requesting more information about my business. The information was geared at selling me XXXX  and was not necessary for them to have. I answered questions with as little detail as possible to stop them from selling more XXXX. 

I then received email requesting 3 months of bank statements despite having told them this was a brand new business that I was starting. I was furious at the invasion of my privacy. I had declined to link my bank account with them ( said optional ) but I had provided credit card which was verified to accept payments. 

I contacted support and was told I would have to provide bank statements. This totaled over XXXX pages and I told them it was failing every time I tried to upload documents. I asked for a fax number. They refused and said I must upload. I did upload all the documents but I could not tell if they all went through. I received a confirmation on the site but it did specify the number of pages or files that went through. 

I received email that my account was deactivated and the decision was final. No further information was given. I called Square and was told by agent that they did not have to tell me why they made that decision. They said decision was final. I explained that I wasn't sure if my documents uploaded and that I had not engaged in any fraud. I said there must be a mistake but how can I address this if you won't provide any information. They replied they didn't have too. They then said the {$1000.00} transaction would remain suspended for XXXX months ( though payment went through on my credit card ). 

I have since tried to contact Square through chat, text, and phone. I am blocked from speaking to anyone. If I try the chat, it simply says there was an error or leaves me on infinite loop without connecting. When I call I get message that I have been denied an account and to check my email and spam. The email they are referring to says nothing but what I said above. 

These are my issues : 1. I have never been accused or been involved in fraud of any kind.

2. I found out later with XXXX XXXX that my account had been below XXXX because of a fraud by an online company. That was resolved but I could not tell Square this. I have never had a negative balance before that. 
3. How do they have the right to hold funds for 3 months when the consumer is paying interest on that payment? 
4. How can they refuse to provide any information about why the account has been deactivated? This is against Due Process!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX. 

XXXX. 

XXXX. 

XXXX. 

XXXX XXXX. 

XXXX, has violated my rights. 

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
Product: Consumer Loan

There is a very strong case of fraud with what is going on with my loan account with Infinity Financial Services. I have been making over payments on my account and was told that the excesses would be applied automatically applied to my principal. This as been going on for some time. I realized however that these were not being applied and called their customer service 3 weeks ago. After discussing with a supervisor, my excess payments were calculated and she informed informed me that this would be adjusted to my principal and that I should get an updated balance but my payment due date would be adjusted to the current month. The statement balance was $ XXXX as at when we spoke. No adjustments were made after 4 business days, so I made another call. This time, a supervisor again, insisted on a different approach. He said he was going to apply my current excess payments ( $ 1900+ ) to my principal, rather than work it all back, and I should see the adjustment on the account within 2 days. I did see an adjustment 2 days later to be exact, my pay-off amount was adjusted to $ XXXX, when I calculated it, it was an adjustment of $ XXXX ( note that I did not record exact figures because I did not have a reason to be suspicious. Surprisingly, 4 days later this is again now re-adjusted to $ XXXX and my payment date remained the same. You talk about different answers or manipulation of figures, this is what is happening.
Product: Debt collection

I disputed the account because this debt is not mine and they continue to report it in my credit report
Product: Money transfer, virtual currency, or money service

Back on XX/XX/XXXX I complained about Ally not sending me a check they promised to get out to me. Two years later they say they still have the check. I filled out a lost check affidavit twice in the year XX/XX/XXXX and I still have yet to receive the check. Each time I try and chat in with them they ask for more information and then tell me they already had it on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had enrolled with experian back in XXXX, my credit score was at XXXX in XXXX, it may have been XXXX, I was informed by experian that their servers were hacked, as a result my credit dropped to a reported 4. I have been going back and forth with them ever since on the matter. My credit was back in the green ( XXXX  ) as of XX/XX/XXXX at roughly XXXX, around that time I submitted an inquiry to experian as to why they have been unable to provide my credit score, nor been able to for a number of months. I paid wise credit report and they were able to provide all 3 in a matter of seconds. I included this information in my email to experian backing up my complaint as to why other credit companies, as well as my credit union can provide my score but experian consistently is unable. A few hours after sending my email to experian I went online with XXXX XXXX for my credit score and most current, I had a review done 2 weeks previously. My credit went from a XXXX to XXXX in a matter of hours.I do not understand how my score could have dropped 51 points that quickly. 
My wife and I are trying to buy a home and I do understand any hard pull can lower a credit score by a couple of points when a credit check is ran.

My previous inquiry with experian lowered my credit 10 points, I had no other inquiries on my credit at that particular point and time at all. Now after asking experian for an explanation, my credit was reduced drastically. 
I have talked with friends who have the same app and have learned a few of them have had the same or similar issue as well when they have made a complaint/inquiry and seen their credit decline. 
I am registering my complaint on this matter to other watch dog companies as well.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a series of unfortunate events that have significantly impacted my ability to manage my account with Self, culminating in a situation that I believe warrants special consideration. Issue 1 : Failure to Update Email Address Firstly, I requested an update to my email address, due to concerns about hacking or unauthorized access. Despite these requests, my email address was not updated as needed. This failure in updating critical contact information on your part has led to significant communication gaps. Issue 2 : Payment Method Failures Consequently, the payment method linked to my account, originating from encountered issues. The bank had placed a hold on my account, which directly impeded payment transactions for my loan with Self. This was not a result of negligence on my part but rather a security measure taken by the bank because of my email being hacked the email you have on file is " XXXX '' which is incorrect so i never recieved this email i ahd updated self my new email which was never updated or documented resulting in miscommunication causing fincial harm as i notifed the bank to make sure auto pay will continue they told me it would but not also having access to that email at the time out me into blind spot its only one late payment which is a result of indenity theft. Issue 3 : Account Closure and Payment in Full Despite these challenges, I have acted in good faith and paid the remainder of my loan agreement in full, leading to the closure of my account with Self. However, the aforementioned issues significantly hindered my ability to manage my account effectively. Concerns Regarding the Truth in Lending Act ( TILA ) Furthermore, I believe that the lack of clear communication and failure to update my contact information may constitute a violation of the Truth in Lending Act ( TILA ). TILA mandates the disclosure of certain information in credit transactions and emphasizes the importance of clear and timely communication from lenders to borrowers. I appreciate your prompt attention to this matter and look forward to a resolution that reflects the challenges I have encountered and my commitment to fulfilling my obligations under our loan agreement. Violation of Fair Credit Reporting Act ( FCRA ) : The FCRA, under 1681s-2 ( a ), mandates the accuracy of information provided to credit bureaus. The lack of a clear reporting policy in our agreement could lead to inaccuracies in my credit report, potentially violating this act. Concerns Under the Equal Credit Opportunity Act ( ECOA ) : ECOA 1691 ( d ) requires lenders to provide certain information to borrowers. The absence of credit reporting policies in our agreement might contravene these requirements, affecting my ability to understand and manage my credit. Consumer Financial Protection Bureau ( CFPB ) Regulations : According to 12 CFR Part 1026 ( Regulation Z ) of the CFPB, which implements TILA, lenders are obligated to provide clear disclosures on credit terms. The omission of late payment reporting details fails to meet these transparency standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA SAVINGS BANK ACCOUNT NUMBER # XXXX OPEN DATE XX/XX/2007 {$32000.00} THIS IS NOT MY ACCOUNT I WAS NEVER IN THE MILITARY OR NOR DO I HAVE A BANK ACCOUNT WITH THIS BANK I NEED THE REMOVE
Product: Credit reporting or other personal consumer reports

I'm a Victim of identity theft I added documents below XXXX. {$900.00} XXXX XXXX date opened XXXX XXXX. {$720.00} XXXX XXXX. date opened XXXX
Product: Mortgage

My initial complaint is XXXX. 
Bank of America has refused to subordinate its 2nd mortgage on my home until I pay to decrease the loan amount on my new 1st mortgage by {$2200.00}. The loan amount on my pending refinance is {$350000.00} and they are refusing to subordinate unless the loan amount is decreased to {$340000.00}. This information was received from XXXX XXXX at BofA. BofA 's subordination reference number is XXXX. 
- This is a rate and term refinance. My wife and I are lowing the interest rate and shortening the term of our mortgage. We did not increase the monthly payment amount nor did we take out any money from the equity of our home. 
- The appraised value of our home as of XX/XX/XXXX, when a full residential appraisal was completed, is {$600000.00}. So when you add the new 1st mortgage of {$350000.00} and the existing 2nd of  {$80000.00} you get {$430000.00} which is a 70 % loan to value ratio. 
When BofA completed the 2nd mortgage in XXXX the appraisal was {$540000.00}. The outstanding balance on 1st was {$340000.00} and the 2nd was for {$80000.00}. for a total of {$420000.00} which is a 78 % loan to value ratio. So our loan to value ratio decreased by 8 % - Our income increased over the past year. 
- Our credit scores remained the same as they were in XXXX. ( mid XXXX 's ) - Our outstanding debt decreased since XXXX. 
Bank of America has no reason or right to dictate what the loan amount should be on our refinance. BofA has given us no choice but to include the outstanding balance of the second loan in with refinance. This has derailed our financial plans.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof to XXXX that I was in fact a victim of this data breach. XXXX has already deleted XXXX XXXX account from my credit report as a resolution and now I am asking that XXXX and Transunion Delete this account immediately. Please help me delete this illegal account from my credit reports.
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 : XXXXT Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  AS Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recognize and have requested info on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and Experian, to let them know of unauthorized inquiries on my credit reports and asked them to remove these credit inquiries from my credit profile and they refused, so I sent letters asking them to look into this matter and to remove the inquiries but to date there have been no responses from the bureaus. Since sending the letters more than 30 business days ago, they have failed to respond and honor my request. These unauthorized inquiries are negatively affecting my credit standing and ability to obtain a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in process of buying a home and in the middle of buying a home this XXXX XXXX loan appears and i have paid this already. They garnished my wages in 2018 and it has since been paid and XXXX balance in full. I have the letters stating it is done and completed. I would like this to be off my report stating it is still open and showing balance as well as reporting all the bad missing payment history. I have a letter from US dept of Education on XXXX 15,2018 that stated notice of cancellation of order for withholding of wages. I also have a letter on XXXX XXXX, 2018 account number XXXX stating my debt is settled in full. Please remove off all credit bureaus
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

XX/XX/XXXX, XX/XX/XXXX advised them they are calling a business
Product: Credit card

I have a Citi Simplicity Card.carrying a balance composed of : Balance transfer ( about $ XXXX 1.99 % ) XXXX  ( $ XXXX 7.99 % ) The 1.99 % Balance Transfer promotional rate expired on XXXX XX/XX/year>. 
With the purpose of avoiding the 21.24 % rate that would now be applied to said balance, and based on what it says on their statement ( " As required by law, payments above your Minimum Payment Due generally go toward balances with higher APRs first. " ), and also based on previous experience ( with XXXX  XXXX XXXX ), on XXXX, -when the APR already went to 21.24 %, I decided to make a {$2000.00} payment to the credit cards. That would cover the the minimum due ( {$180.00} ) leaving about {$1800.00} to be applied to the {$1800.00} ). 

To my susprise, the statement came in showing the applied the excess ( almost all of those {$2000.00} ), to the XXXX XXXX, leaving me with a $ XXXX balance subject to a 21.24 % I called them, and after a convoluted explanation about how their system works, they pretty much told me that's how it is. They offered no alternative at all.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by { EXPERIAN }. I believe these late payments are erroneous and do not accurately reflect my payment history. 


ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENT : XXXX XXXX  XXXX XXXX - XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Vehicle loan or lease

Credit Acceptance Corporation is reporting a balance of {$6100.00} to the credit bureau and collection agency for my repossessed XXXX XXXX XXXX, which had several recalls. 
I made XXXX  payments of {$310.00} equalling :. {$5200.00} Down payment : {$600.00} auction sale {$4600.00} Fee. 
Warranty. {$1500.00} {$150.00} Totaling : {$11000.00} XXXX XXXX sold the XXXX XXXX for {$10000.00} after downpaynent. 
XXXX  credited my account for {$1200.00} service warranty fee. 
Total finance by XXXX  was {$12000.00}, not {$12000.00} as XXXX  stated to the credit bureaus. 
XXXX  states that the deficiency balance is {$6100.00}. 
XX/XX/XXXX payment failed XXXX  system. 
I had sufficient funds in my bank accountbto cover XXXX payment. 
My XXXX XXXX XXXX was repossessed : XX/XX/XXXX or before. 
With " Not one missed payment ''
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX