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

I sent the following letter to the three reporting agencies. They are violating the law I have complained several times about them using my personal information without my express written consent which they can not provide because I have not given it. Please rectify the issue immediately.

I am writing to formally request the removal of certain transactions on my consumer report, as outlined in the Fair Credit Reporting Act ( FCRA ) under section 15 USC 1681a-2 ( a ) ( i ) : ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report ; Ive reviewed my consumer report and Ive identified transactions to be removed per the aforementioned laws.

Copies of this letter and certified mail receipts are also being submitted to the Consumer Financial Protection Bureau. 

Below are the details of the transactions that I demand be excluded from my consumer report : Please acknowledge receipt of this correspondence by detailing the time frame of any applicable investigations. 
Ive included copies of identification as well as a copy of a bank statement for identity verification purposes. 

Thank you for your prompt attention in resolving this matter. 


XXXX XXXX XXXX
Product: Credit card or prepaid card

I received the XXXX rewards Mastercard in XX/XX/XXXX with a limit of {$9000.00}. I used the card and paid monthly on time, then in XXXX of XXXX I received a notice that my credit limit was drastically lowered to {$2600.00} and my balance at that time was {$2400.00}. I then called First Bankcard to inquire why my balance was so drastically lowered and they stated that XXXX  reported to them that my score was XXXX. I then proceeded to state that was not true due to that I have an account with XXXX  and my score was at a XXXX, I also called XXXX  and they stated that a score of XXXX was not reported to First bankcard. I was also advised to send a copy of my credit report from XXXX  to their credit dept. and I did but no response by mail or a phone call after the review. So, at this point I did not use the card anymore and just started to pay the card down drastically so I can pay it off. Then in XXXX of XXXX First Bankcard then proceeded to lower my limit again to {$2200.00} and I called again to get an explanation which was useless because everyone just says we sent you a letter to explain. At this time, I was searching for a mortgage loan to purchase a second home and I did have more inquiries, but none of my other credit cards have either lowered my limit or closed my account. I have all my other cards for years and none have treated me the way First Bankcard have. Now today XX/XX/XXXX First Bankcard closed my account with a balance of {$2000.00}. This will be very harmful to my credit profile. This is not fair that they are allowed to do this to people especially during a time of a pandemic and the way it is affecting people losing their jobs and homes. I have been extremely fortunate to be able to pay my bills on time even through all this and maintain my credit and now to find out that First Bankcard is the only company not helping people currently. All my other credit cards and my mortgage company have been extremely helpful during all of this. I would like an investigation into this company business practices against consumers.
Product: Checking or savings account

Online deposit system processed several checks and correctly rejected checks for deposit that had already been deposited, however system failed to recognize two checks already deposited, and were later corrected by the system and reversed. The bank has arbitrarily charged {$12.00} per error their system caused for a total of {$24.00}. Chase bank personnel and management have refused to acknowledge their system error and refund the {$24.00} charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried SEVEARL times getting this FTC report to XXXX, XXXX and Experian. I have tried uploading it only and have even tried mailing it. I mailed it several weeks ago. Please get the attached FTC report to them ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I authorized XXXX  XXXX to pull my credit in the process of applying for a personal loan. During this process XXXX experienced some sort of internal error that they were unwilling to disclose to me. At some point in this process without my authorization on XX/XX/2022 they initiated a second hard inquiry that I did not give them permission to use. As they had already done a hard inquiry on the XXXX. After nearly a month on XX/XX/XXXX they sent me a letter denying my loan because they were unable to verify credit information. I tried to go through their corporate division and was told that there was no second hard inquiry on my credit and that everything that they did was correct even though clearly it is not. I tried to dispute this through Equifax and they also said that this inquiry was correct and it is not.
Product: Credit reporting or other personal consumer reports

Innacuracies on my credit report and lack of information.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

AXXXX 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
Product: Student loan

I have been trying for years to get an explanation of how the original loan with a principal amount of approximately XXXX XXXX was REHABILITATED into a principal amount of almost XXXX XXXX dollars. And how there can be such an excessive collection amount of almost XXXX XXXX dollars! All I ever receive are the ledgers with no explanation of what Rehabilitated constitutes. 

Furthermore, there appears to be a loan on the account that I never borrowed for {$19000.00}. I was also on a XXXX  Scholarship as my dad was an XXXX XXXX XXXX  in XXXX. 

After not getting a complete explanation from the lenders, the case was turned over to a collection agency, Pioneer, which also has been unresponsive to my communication. I hired an attorney and he has also been unable to get the requested information. Causing me to incur legal fees. 

Furthermore, they have violated the fair billing act and held the position that I had to pay the fraudulent amount without a complete explanation or suffer the complete suppression of my credit score. 

Lastly, for over a decade I was unable to purchase a house or get a credit card. Accordingly, I should be compensated for my loss of opportunity.
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/2020 i sent a letter to Equifax, XXXX, and XXXX  about inaccurate information reporting to my credit report. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have not Received a response from the Bureaus. On XX/XX/2020 I sent another letter to the bureaus to comply and still no response. It is now XX/XX/2020 and i have yet to get a response from the Bureaus.
Product: Credit card or prepaid card

I called Capital One on XX/XX/XXXX and asked for my XXXX annual fee to be waived. The customer service representative graciously obliged and recommended that I call back in approximately one year to inquire about a potential downgrade if my card usage remains low. The annual fee was never waived as a result of this transaction. I called again on XX/XX/XXXX to ask that the fee be waived as I was told it would be on XX/XX/XXXX and no action was taken. The customer service rep performed a call review and confirmed I was told of the waiver on XX/XX/XXXX and immediately reversed the annual fee. On XX/XX/XXXX, I called to request an account downgrade to a no fee product ( per my instructions rec 'd a year earlier on XX/XX/XXXX ) The customer service representative on XX/XX/XXXX told me that no offers for a downgrade to a no fee product were available. 

I am not alleging a Reg Z violation has occurred - Capital One has clearly disclosed my annual fee as required in Account Opening Disclosures and the CMA and has no regulatory obligation to downgrade my account to a no fee product ( XXXX, for example ). I am alleging that a UDAAP violation has occurred. I believe it is unfair to offer downgrades to certain customers and not others. It was deceptive to instruct me on XX/XX/XXXX to request a downgrade in approximately one year if I'd like to avoid the annual fee in the future and proceed to not honor that request.
Product: Mortgage

My Complaint is against XXXX XXXX XXXX XXXX and Loancare , LLC. Our VA Loan was sold and transferred to Loancare on XX/XX/2019 along with the total payoff loan amount. As of today XX/XX/2019 Loancare insists they do not have the payoff funds. 
I am getting phone calls from Loancare informing me of missing payments on a loan that has been paid off in full. I phoned to inform them the loan was paid in full and their response was ''prove it ''. I have not recieved our impound balance that was also transferred to them. It appears to me they are violating the 60 day transfer rule and about to violate the 30 day rule to return the impound money to the borrower. 
Someone should conduct an investigation of this agency. Thank you
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, I am writing to express my concern regarding Wells Fargo 's credit card program. My experience with the program has been extremely frustrating and disappointing. 

When I signed up for the credit card program, I was under the impression that it was a standard payment program, similar to other credit cards I had used in the past. However, I soon realized that the program was actually a fixed payment plan, similar to a personal loan, which required me to pay off the entire balance on my account within a fixed timeframe. 

This was extremely misleading and deceptive, as it was not made clear to me at the time of signing up for the program. I feel that I was misled into believing that I was getting into a standard payment program, only to find out later that I was locked into a fixed payment plan. 

I urge the Consumer Financial Protection Bureau to investigate this issue and hold Wells Fargo accountable for their misleading and deceptive practices. Consumers deserve transparency and honesty from their financial institutions, and it is unacceptable for Wells Fargo to mislead and deceive its customers in this manner. 

Thank you for your attention to this matter.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the JHPDE FINANCE I , LLC ( Original Creditor Name XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Checking or savings account

Today I was. Overdrawn XXXX dollars someone used my. Debit account number. And they charged me draft fees and tried to send me a new wells Fargo card to same address where my account number was used and don't want to give me a temporary card. I have to cash out at bank and makeshift weapons outside bank in XXXX XXXX XXXX way and XXXX XXXX XXXX XXXXto many issues at same time. And the bank workers hovering around me all day.
Product: Student loan

On XXXX/XXXX/XXXX, I submitted a lengthy online complaint to CFPB regarding the recent lawsuit pending against Navient. I was unable to log in to modify to my complaint. In my complaint I explained that Navient was unwilling to help me lower my rate and monthly payment amount. I failed to mention my Navient student loan is over 7 % and possibly closer to 12 %. Navient had no suggestions to assist in dissolving this loan that I never used for my education. This {$6900.00} loan was underwritten by XXXX XXXX in XXXX. Navient eventually took it over. As of XXXX - present date, I have submitted many written complaints to CFPB, written and verbal to XXXX XXXX XXXX, Navient Office of the Advocate, DOE, and XXXX referencing XXXX XXXX University online and Navient Student Loan with no result. I demanded more information on this student loan origination showing deadlines to withdraw from the online university. The only document Navient had on file was the promissory note that I signed. Of course I signed the promissory note, that is the only way the loan would get funded. I immediately withdrew from XXXX and Navient 's claim is my withdrawal date was past the deadline and my loan would be in repayment status. 

I have all documents to all parties involved to support my claims of trying to find a solution to dissolve this loan with Navient or verify if it was a legitimate. Initially I contacted Navient customer service to address this loan issue. Once I understood their customer service representatives were not helpful, I had to type a letter to Navient and send it certified to ensure my complaints would no longer be ingnored. XXXX XXXX responded to my complaint. XXXX XXXX XXXX - XXXX suggested I contact XXXX to obtain transcripts to release me from the loan. If there were no transcripts, Navient would use this as proof I never attended. During my two - three day research I found out XXXX XXXX Online was involved in illegal activity, changed their name to XXXX XXXX University and eventually closed permanently in XXXX. 

I contacted Navient several more times throughout XXXX of XXXX, asking for help and if they could find any records also. Navient was no help at all and no return calls to address my concerns. I was worried if I could make the payments and how my credit would be impacted by the bad debt, Navient never thinks about the struggling students who never found a full time job to mirror their education.
Product: Credit reporting or other personal consumer reports

Checked my report and found incorrect fraudulent information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer law stays that all consumer should have a equal and fair credit report, ,I paid for service and my credit score should be equal to rapid rescore,,, I have children and need a home for mortgage and also as well as a business, my score should be up by 100 or more, XXXX,,, please update my rapid rescore for credit for mortgages and business,,
Product: Credit reporting or other personal consumer reports

This is about the fourth or fifth time now in the year XXXX, I keep telling the bureaus they are listing inaccurate information or incomplete but they only delete certain items not all. Here are more details on the accounts that should be deleted!

To whom it may concern : According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports that is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau. After disputes online and multiple complaints via the CFPB and disputes by Certified Mail, inaccurate information continues to be listed on my credit report and should be deleted immediately. I have compiled a list of date on my report attached to this complaint and one has been sent via USPS mail to the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my TransUnion consumer report I found several inconsistency reporting on this account : XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
It is your duty to ensure that all information reported is consistent and most importantly accurate and complete and you have failed to do so. Please delete this erroneous item immediately. Below are a list and pictures of inaccurate and incomplete information XXXX. XX/XX/XXXX I was not 30 days late. See my bank statement. 
XXXX. XX/XX/XXXX has ok but missing actual amount paid no data. 
XXXX. XX/XX/XXXX has but missing data XXXX. XX/XX/XXXX has missing no data. 
XXXX. XX/XX/XXXX has missing no data. 
XXXX. XX/XX/XXXX has missing no data. 
A proper reinvestigation was not done for this account. 
Please delete it from my consumer report.
Product: Debt collection

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Synchrony. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Product: Debt collection

GM Financial is reporting a fraudulent account in my credit file with XXXX and XXXX. This debt/ account doesnt belong to me. I have contacted GM Financial several time regarding this matter and the response are not aware of the account. I have provided this company a copy of my credit report showing this account but they have not resolved this matter and deleted the account from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car from XXXX XXXX that was an XXXX XXXX XXXX. I had the car from a few months. I volunteered and returned the car due to predatory practices. I was abused and felt compelled to invoked my rights as it pertains to the Truth and Lending Laws. The representatives at XXXX XXXX was understanding that the dealer that I bought the car severely overcharge me. The car has been sold, I was also notified that the closed account will be removed from account
Product: Vehicle loan or lease

I check my credit quarterly. I pulled my credit report to check for accuracy. I noticed several inquiries that I did not authorize. I noticed these discrepancies on my report on XXXX These inquiries all took place on XXXX I did not authorize any company to run my credit at that time. I completed a FTC XXXX. Report is uploaded
Product: Credit card or prepaid card

I contacted the customer service department to request a reversal of the {$10.00} interest fee that was charged to my account. According to my understanding, I should not have been billed any interest fees since I paid off the balance and consistently paid the statement balance each month. Unfortunately, my request was declined. 

Here are the details of my account activity : In XX/XX/2023, my statement balance was {$1100.00}, and the due date was XX/XX/2023. On XX/XX/2023, I made a payment of {$650.00}, which covered the required minimum payment of {$25.00}. Additionally, on XX/XX/2023, I made an additional payment of {$810.00}, totaling {$1400.00}. This payment exceeded the statement balance for XX/XX/2023, and I made it before the cycle ended on XX/XX/2023. 

When the XXXX cycle ended, my statement balance was {$530.00}, due by XX/XX/2023. Since my account is set up for auto payment of the statement balance, I expected not to be charged any interest fees. However, I discovered that Capital One billed me {$10.00} in interest. 

During my conversation with the representative, I was informed that because the full balance of {$1100.00} was not paid by the XX/XX/2023 due date, it broke the grace period, resulting in the interest fee. However, I explained to the agent that I paid off the entire balance before the cycle ended and that the transactions made during that cycle should not have accrued interest since they were part of the current cycle and did not exceed the 25-day grace period. 

I urge you to thoroughly investigate this matter as I strongly believe it to be a systemic issue. It is possible that other consumers are also being billed interest fees when they should not be, particularly after paying off their balances before a cycle ends. This practice appears to violate Regulation Z, as it involves overbilling consumers with unjustified interest fees. 

I kindly request a comprehensive investigation into this matter and a resolution that ensures the accurate and fair billing of interest fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is 2 different debt collectors reporting the Same debt account ( same credit card company/XXXX XXXX ) on my credit report. I never had 2 of the same credit cards from one company at the same time, but 2 different debt collectors are reporting the same thing on my credit report. I have disputed multiple times and everytime it cones back saying they have the correct information. If it is correct then how do they have the same account. You may call XXXX XXXX XXXX and ask if they give one person 2 of the same credit card with same account numbers. I highly doubt it. This has been ongoing for over a year now and I have been turned down multiple times for personal lones/ business lones and credit cards. I am so stressed and this has caused so much hardship on my end. I really need some help with this or information on how to Sue both these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contract with these companies. I do not recall doing business or applying for these accounts, please see the following : ENHANCED RECOVERY # XXXX, XXXX XXXX XXXX # XXXX.
Product: Money transfer, virtual currency, or money service

My PayPal account was charged XXXX by ticket master for tickets I never purchased or used. I disputed both with PayPal and ticket master and they both denied by claim with no valid reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Grow Credit advised they would remove negative data from my credit report consisting of a late payment. 

Since then, I now have XXXX late reportings from them on my report which is not true! I disputed this with the credit bureaus and they validated it which doesnt make sense because I wasnt late twice ever.