23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On Friday XX/XX/XXXX, I applied for the West Elm Credit Card ( from Comenity Bank ) at the store located in XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. After more than 30 days later I never received a response from the credit card issuer, clearly violating ECOA. 

During the last weeks, I called numerous times to ask for a response regarding the approval or denial of my application ; with no accurate responses awful orientation from Customer Service ( XXXX ). The only information provided was that I was going to receive a letter from the bank with instructions to continue the application process. 

After various additional calls, where I had to explain again the situation and the tedious process it has been, I was finally provided with an address to send some documents required to validate my personal information. I sent a copy of my ; Drivers License,  Passport, Social Security Card and a bill from XXXX XXXX XXXX to validate my mailing address. Weeks passed by and I never received a response for approval or denial. 

On XX/XX/XXXX, I called ( for almost the 10th time ) and representative XXXX Employee number : # XXXX told me that they were not able to see my application information in their systems, even though I have a credit hit in my XXXX report by Comenity Bank for my application ( XX/XX/XXXX ). She also said that my application could have been lost in their offices and my only remedy was to apply again or to send a letter to global support. 

After that conversation with the representative I applied again by their website obtaining an instant approval for the credit card. However, now I have 2 inquiries from Comenity Bank in my XXXX XXXX credit report. One from XX/XX/XXXX related to my first application and a second one from XX/XX/XXXX, XXXX related to my second application. 

I need help to make the Bank erase the first credit inquiry to my credit report since they were not able to process my 1st application, neither notify me about a denial or approval. I can not have 2 inquiries for the same credit card.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and am requesting the immediate blocking and deletion of the following fraudulent accounts and unauthorized inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$710.00} XXXX. XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$710.00} Unauthorized Inquiry : XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally file a complaint regarding inaccurate and unresolved credit reporting issues related to my XXXX account, as shown in the attached documentation. The account was closed in good standing, and XXXX no longer reflects any debt accurately reflects status. However, Experian and XXXX continue to report incorrect information. This issue originated during the COVID-19 pandemic when I experienced financial challenges due to the economic impact of the crisis. As a result, I encountered late payments on my account during XXXX and XXXX. However, these late payments were supposed to be protected under the CARES Act provisions, which offer protection for consumers impacted by COVID-19. Additionally, I have disputed this inaccurate information more than 10 times with both XXXX and Experian since XX/XX/XXXX, but each time, my disputes have been returned without any changes. The reporting by XXXX and Experian is clearly inconsistent with that of XXXX, which reflects the account as paid and closed with no late payments. 
The following are the key inaccuracies on the XXXX and Experian reports : 1. Dispute history : The account has been in dispute for over 10 months, yet no meaningful investigation or corrections have been made. 

2.Inconsistent account status : XXXX reflects accurate information, while XXXX and Experian do not. 

Violations of the FCRA and TILA According to the Fair Credit Reporting Act ( FCRA ), consumers are entitled to the accurate reporting of credit information, and furnishers of credit data have a legal obligation to investigate and correct inaccuracies once they are brought to their attention. XXXX and Experian 's failure to correct these inaccuracies violates my rights under the FCRA. Moreover, under the Truth in Lending Act ( TILA ), creditors must provide accurate information regarding payment histories and account statuses. 
This failure to correct the payment history is a violation of TILAs provisions on accurate reporting and disclosure. 
Requested Actions I respectfully request that the CFPB : 1. Investigate XXXX and XXXX failure to correct the disputed information on my credit report. 
2. Ensure removed from both the XXXX and Experian credit reports to reflect the accurate status of the account, as shown by XXXX no debt. 

1. Take enforcement action against XXXX and Experian if they continue to fail to comply with their obligations under FCRA and TILA. 

I have attached a screenshot of my credit report for your reference, highlighting the discrepancies between the reporting agencies. 



I trust that you will handle this matter with the urgency it deserves. Thank you for your time and attention. Please feel free to contact me should you require any further information or clarification
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I did not give consent to the credit bureaus ( Equifax, XXXX and XXXX ) to add my XXXX  to my credit report. The XXXX XXXX XXXX XXXX XXXX XXXX states that they do not report to the credit bureaus. Can you please verify how this information was added? Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for SCRA benefits as XXXX XXXX sent orders and was told I do not qualify but yet their website offers SCRA benefits for military. I also belong to an SCRA XXXX XXXX so I know they pick and choose who they apply benefits to and who they do not. they say it does not qualify as a loan but SCRA applies to all things that accrue an interest rate and specifically requires that we do not get charged over the 6 % percent cap for SCRA. Best egg tries to avoid doing this on many accounts and many occasions but also applies to some people and not others so that is not fair. if you say it does not qualify for loans then you should not apply to some customers and not others. I have sent orders numerous times to have the interest cap on my loan which 21 %. It should be lowered to atleast 6 % for SCRA benefits for military. since acquiring this loan I have already paid {$640.00} in interest alone in XXXX year. I would like my SCRA benefits applied to this account or I will have to involve a XXXX lawyer and the state attorney general office. You can not as a company pick and choose who you apply the benefits too if all qualify. You can not say to others they do not qualify and you apply it to other loans. I have sent orders numerous times and my benefits should have been applied in XXXX when I sent the orders after I received the loan which I qualify for. 
XXXX Individuals Covered by the SCRA Members of the XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX on XXXX XXXX SCRA protections extend to servicemembers dependents, which generally include spouses, children, or any other individuals for whom the servicemember provided more than one-half of the individuals support for 180 days immediately preceding application for relief under the Act. ( including reserves ordered to XXXX XXXX ). 
Also, Ohio extends SCRA benefits for debt incurred WHILE active duty. This means that any debt incurred after enlistment is subject to the 6 % interest cap. Below is the reference : 7.1. Interest Rate Cap To help ease financial burdens created by active military service, Section 527 of the SCRA extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. 
Due to these circumstances, I would qualify because of the unique protection that Ohio has for XXXX XXXX families. According to the SCRA : A creditor must forgive not defer interest greater than XXXX percent per year. See 50 U.S.C. 3937 ( a ) ( 2 ). The creditor must forgive this interest retroactively. See id. at 3937 ( a ) ( 1 ) & ( b ) ( 2 ). The creditor is also prohibited from accelerating the payment of principal in response to a properly made request for a XXXX percent interest rate cap. Id. at 3937 ( a ) ( 3 ).

its says all debts and all creditors which means I qualify for the 6 % interest cap. no where does it say it does not apply to loans. I have sent emails and faxes numerous times in XXXX and mailed orders in XXXX and XXXX still no response to recent ones sent.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I closed my business account, XXXX, XXXX with Bank of America. 

I spoke with customer service when closing and asked if I needed to take the money out. They advised NO and they would send me a check in my Name. 

Weeks later the check arrives and it is issued to my business name. I contacted them and asked them to issue the check in my names. They advised they couldnt. Spent countless hours on the phone. Finally tell me to go in the branch. The branch would not cash even though I have all of the info showing I am the business owner, DL and all business documentation. There advise was to try to cash it and maybe they wont catch its too a business. XXXX option was open another business account and close once I withdraw the money. I cant legally do that as the business is closed. 

I have been passed around to several departments. And the final department says I am out of the money. 


This is wrong and not acceptable. How does Bank of America issue a check to the business they know is closing. I am a sole owner and refuses to issue to me or give me any options. Basically they are just pocketing the money from my account. They issued the check and wont cash.
Product: Debt collection

LVNV Funding LLC placed a collection and charge off on my XXXX XXXX and XXXX credit reports and its reporting as both and I know that its not supposed to be like that. They did not provide the proof of debt and original documents that I owe and Ive requested this information numerous of times. In addition to, on XXXX and XXXX it reads as Open and XXXX the account reads closed which means that it is reporting inaccurately. And according to the FCRA items are to report the same across each bureau or it has to be removed.
Product: Debt collection

Portfolio Recovery Associates stated that I have a debt with them that was purchased through XXXX XXXX. I responded by the credit card was not instituted through me and please provide any information they have on payments so that I could see the name of the person on the bank account where these funds were coming from. The amount is for XXXX, XX/XX/year> of this year. They have given me the run around on where to apply or what steps to take to file a dispute so I am here.
Product: Credit reporting or other personal consumer reports

I recently checked a copy of my credit report and I'm horried and shocked that I'm a victim of identity theft. I found many accounts and hard inquiries on my credit report that were not open by me. This is hurting me very much because I'm in the important process of getting a house for my growing family size, my ancee, and my daughter. This is also hurting me also to get my daughter a car for school and work. Please remove and delete the fraudulent accounts and hard inquiries from my credit report as soon as possible. 
( Attached is my documents, DL, and paperless utility bill. ) 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 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: Mortgage

Due to prior problems I setup AUTO pay with Freedom Mortgage. Every XXXX of month they ACH deduct my mortgage from my account. My XX/XX/2022 payment was deducted as usual. On XX/XX/2022 i received a credit back from Freedom Mortgage for the amount of the payment ( although it took time to research who it was ). I could not contact the company via website or phone, there sytem was busy and my login for the website said my loan servicing had been transferred. 

I never received any letter stating this would happen. And it was not on the website as of me investigating as of XXXX. I left several messages no answer. 

Subsequently i starting recieiving debt collecting calls from XXXXXXXX XXXX. I refused the first thinking it was fraud. I spent multiple hours on the phone " verify '' information. The tone of the calls was I didnt pay my mortgage when i had. 
Freedom mortgages letter states it would foward any payments after XX/XX/XXXX. But my payment was XX/XX/XXXX. It was sent back to me. 

Freedom mortgage didnt inform me of the transfer, it violated its own letter by sending the money back to me earlier than the later stated. This whole situation took many valuable hours as I work nights in healthcare. 
XXXX says they are hearing many complaints about Freedom with the same basic information. Freedom is not informing customers of changes in a timely fashion and RETURNING legal payments they have after they have cleared for days. 

XXXX has me down as late paying, even though Freedom processed the payment. And it will take weeks to be ashured i wont have a mark on my credit. 
People who pay their bills ontime shouldnt have to spend hours on the phone to research where there mortgage is sold to. And have to deal with the Former company witholding and diverting payments after made, and treat the people who paid ON TIME as if they didnt. Money was removed from bank on XXXX, it cleared then on XX/XX/XXXX a ACH was sent back to me refunding it. They never notified the new bank that I had paid on XXXX. The new bank XXXX made multiple calls to my work and home. Stating i have not paid my mortgage.
Product: Credit card

On XX/XX/25 I was approved for a Capital One credit card ending in XXXX with online access, only minutes later my gov't issued identification was required to access account. 
My attempts to close unactivated, unsent, unreceived card with XXXX balance was met with threats of interest on non-existent balance. This was a scam to generate phony balance through data mismanagement.
Product: Consumer Loan

Wells Fargo Dealership Services ... ... charged off my account while knowingly waiting for insurance payments from my gap insurance. They refuse to delete the charge off on my credit report. There customer representatives constantly lied to me during the whole process which took 6 mos to rectify. I was the only person making calls in reference to my joint account. This company lacks professionalism ... .and honesty. I have done nothing but communicate with them during this 6 month period. In return, I get a deragotory statement on my credit report as if I was refusing to pay them. I kept in contact with them even though they did not contact me back.
Product: Credit reporting or other personal consumer reports

My information was included in XXXX XXXX data breaches. XXXX removed my military service information in the United States XXXX from my credit report. They are not reporting correct information. I have filed several CFPB ( XXXX. XXXX with supporting documentation ) report regarding my address. 

Also, TransUnion added an old address to my credit report, yesterday without my consent. 

Re : XXXX, Metro 2, E-Oscar and Regulatory Compliance : My credit report must be accurate because it has an impact on my livelihood. 

I have had to relocate frequently due to an ongoing threat posed by an extensive network enterprise of extremist individuals who are associated with multiple organizations. They have been engaged in a campaign of terrorism and criminal harassment directed towards my household, which includes activities such as HIPAA violations and violations of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act. As a military veteran, I value my privacy and do not wish to be bothered. However, for years, multiple groups with their own political and religious ideologies, as well as corrupt corporations, have been bothering me both online and at my residence. Their deliberate actions have disturbed the peace of not only myself but also my children. I want to emphasize that I do not want to be involved in any unnecessary drama. I simply want to live my life peacefully, and I want my children to enjoy the remaining years of their childhood without any interference. It is disheartening and appalling to witness how selfish individuals believe they are entitled to abuse the system and ruin the lives of others. Such behavior is unequivocally wrong and should not be tolerated. 

Make sure my contact information is correct on my Veteran Credit Reports and only allow senior executives to access and make changes to my credit report.
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I am unaware of them, and the company acted without my approval.
Product: Credit card

I ordered a vacuum from XXXX and paid with my Capital One credit card. The item was never delivered. I filed a dispute with Capital One but they denied the case because they misunderstood the issue and thought it was about a return not credited. The refuse to reopen the case. 

More details : On XX/XX/XXXX at XXXX pm, I received an email from XXXX claiming that the package had been delivered. 

At XXXX am the following morning, I saw no package at my front door, so I followed the link to the couriers website ( GLS ), which claimed the package had been dropped at XXXX pm. The link included an image of a package label in complete darkness with no geographic context. 

On XX/XX/XXXX, I disputed the delivery directly with GLS, the courier. I explained that I lived in a gated community and that the driver wouldnt have been able to access the community at XXXX pm. They said that their drivers dont work after XXXX pm and gave me the impression the case would be handled quickly. They said I would have a response within XXXX hours. 

On XX/XX/XXXX, I followed up with XXXX who told me that claims actually take XXXX hours. 

On XX/XX/XXXX, I followed up with GLS again, but they told me the claim would actually take 30 days to process. Later on XX/XX/XXXX, I filed a dispute with Capital One. 

On XX/XX/XXXX, Capital One responded with an email that said they would reach out if they required more information. 

On XX/XX/XXXX, I received a letter from Capital One stating that the case had been closed because I did not provide proof that the item had been returned. ( Which I hadn't, because the item was never received. ) The same day, I called Capital One to explain that they had processed the dispute incorrectly. The phone associate read the notes I submitted in XXXX, agreed with me, and gave me a link to submit a letter explaining the issue. I uploaded a letter that explained the issue, provided screenshots of the communications from the courier and the merchant, and requested that they process the dispute correctly. 

On XX/XX/XXXX, they sent a response letter insisting that I had failed to provide documents supporting that I had returned the merchandise ( which I never claimed ) and that they would not reopen the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$3000.00}, XXXX Date opened XX/XX/XXXX Balance : {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

*Bankrputcy statetment I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the XXXX major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a used car from XXXX XXXX XXXX XXXX. I make my payment every XXXX weeks as stipulated in my contract. The credit bureau shows my monthly payment is {$480.00} each month. The dealer/ in house finance says my payment is {$220.00} every XXXX weeks. 
I have never missed a payment, The credit report reflects my payments late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. My credit is ruined. I called the Business Manager XXXX XXXX several times, advising him to correct these mistakes. He has done nothing. I wasn't given a Truth In Lending document to break down the interest and finance charges This was never provided.