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

Dear Sir/Madam, I am writing to file a formal complaint against XXXX for unlawfully denying my application for credit in violation of federal laws, specifically : The Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 The Truth in Lending Act ( TILA ), 15 U.S.C. 1602 and 1611 The XXXX XXXX XXXX XXXX XXXX, 12 U.S.C. 1431 Issue On XX/XX/24, I applied for credit with XXXX and was subsequently denied without an adequate or legally valid explanation. XXXX decision to deny my credit application appears to be in direct violation of the ECOA, which prohibits creditors from discriminating against any applicant on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of public assistance ( 15 U.S.C. 1691 ).

Additionally, the ECOA and its implementing regulation, 12 C.F.R. 1002.9, require creditors to provide a specific reason for a denial of credit in a timely manner. XXXX either failed to provide an explanation or provided an insufficient explanation that does not comply with these legal standards. 

Furthermore, under the Truth in Lending Act ( 15 U.S.C. 1602 ), XXXX is obligated to disclose credit terms transparently and in good faith. Denying credit without valid reasoning undermines my rights under this statute and suggests non-compliance with 15 U.S.C. 1611, which prohibits creditors from knowingly failing to provide accurate disclosures or following legal obligations.

Legal Basis 15 U.S.C. 1691 ( ECOA ) : This provision prohibits discrimination and mandates clear, timely communication of reasons for credit denial.

12 C.F.R. 1002.9 : Requires creditors to issue a written statement detailing specific reasons for denying credit or informing the applicant of their right to request this information within 60 days.

15 U.S.C. 1602 & 1611 ( TILA ) : These provisions ensure that lending practices are conducted transparently and that any denial is justifiable and communicated effectively.

12 U.S.C. 1431 : This section governs federal oversight of lending practices and ensures that financial institutions operate in compliance with public and consumer protection laws. 
Harm Caused The denial of credit has caused significant harm to me, including : Inability to meet my financial needs and goals due to lack of access to credit. 
Adverse effects on my creditworthiness and potential opportunities for future credit. 
Emotional distress and financial hardship as a result of being denied without proper justification.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

account : XXXX XXXX XXXX - XXXX
Product: Credit card or prepaid card

I received a letter from American Express dated XX/XX/2022, requesting that I complete my new account setup. I did not open this account. I called American Express Savings at XXXX and notified them. I was told by XXXX that she will notify the back office and ask that someone call me about this account. 

Account Type = High Yield Savings Account Account # XXXX Interest Rate XXXX  % Annual Percentage Rate Yield XXXX  % Routing Number XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I received my statement and noticed a late fee. I called the issuer Wells Fargo regarding the late fee on my account. I spoke both with costumer service and the costumer service supervisor. My minimum due monthly is {$410.00}. I have set up electronic payment to withdrawal from my personal bank to Wells Fargo weekly at {$100.00} per week. On my current statement there are XXXX payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX totaling XXXX in payments. Wells Fargo sets a statement closing date and a week earlier due date. On that they claim my XX/XX/XXXX payment was posted after the due date of XX/XX/XXXX but before the statement closing date of XXXX and will count only as an extra payment on the account. What I find unfair practices is that they say my XX/XX/XXXX payment was posted after the previous XXXX XXXX was closed and before the new statement was created even though the payment is on the statement created on the XXXX of the month of XXXX. Which they also want to count as an extra payment. They claim only the amount of XXXX fall within the due date. If you create an invoice on a date and receive a payment on that same day my payment should count towards my balance due otherwise it would have fallen on the previous statement. I have a XXXX late fee I asked them to waive along with the same scenario that occurred on the XXXX statement also. Which they refused to issue a credit for also
Product: Credit reporting, credit repair services, or other personal consumer reports

According to www.justice.gov, Identity theft and identity fraud are terms used to refer to all types of crime in which someone wrongfully obtains and uses another person 's personal data in some way that involves fraud or deception, typically for economic gain. The Department of Justice prosecutes cases of identity theft and fraud under a variety of federal statutes. In the fall of 1998, for example, Congress passed the Identity Theft and Assumption Deterrence Act. This legislation created a new offense of identity theft, which prohibits " knowingly transfer [ ring ] or us [ ing ], without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law. '' 18 U.S.C. 1028 ( a ) ( 7 ). This offense, in most circumstances, carries a maximum term of 15 years ' imprisonment, a fine, and criminal forfeiture of any personal property used or intended to be used to commit the offense. 

Schemes to commit identity theft or fraud may also involve violations of other statutes such as identification fraud ( 18 U.S.C. 1028 ), credit card fraud ( 18 U.S.C. 1029 ), computer fraud ( 18 U.S.C. 1030 ), mail fraud ( 18 U.S.C. 1341 ), wire fraud ( 18 U.S.C. 1343 ), or financial institution fraud ( 18 U.S.C. 1344 ). Each of these federal offenses are felonies that carry substantial penalties in some cases, as high as 30 years ' imprisonment, fines, and criminal forfeiture. 

I DID NOT CONSENT TO NOR DID I AUTHORIZE THE FOLLOWING CREDIT INQUIRIES ON THE CONSUMER REPORT. I SUBMITTED AN IDENTITY THEFT CLAIM TO THE FTC. SEE ATTACHED. REMOVE THE REPORTED UNAUTHORIZED INQUIRIES PER THE FCRA AND TO MAINTAIN MY RIGHT TO PRIVACY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to XXXX XXXX and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please comply with notice as it is urgent. In addition please see attachments which serve as receipt of all notices in regards of this matter of the order by the United States district court. XXXX XXXX  ALL RIGHTS RESERVED UCC 1-308.
Product: Credit reporting or other personal consumer reports

Comenity Capital Bank/Ulta rewards master card keeps charging me interest and XXXX delinquencies after I closed the account on XX/XX/2024 giving me a XXXX balance After I closed the account with a XXXX balance they added interest that was unfounded and XXXX delinquencies. I put in a dispute at the end of XXXX and have contacted the company more than XXXX times, but I have not received help. I now have a balance of {$350.00} on XX/XX/2024.
Product: Mortgage

I refinanced my house in XXXX of XXXX. The mortgage was sold to a mortgaging service company in XXXX of XXXX. On XX/XX/XXXX, the first half of my property taxes were due. The mortgage servicing company did not pay them. They finally paid them on XX/XX/XXXX but they paid both the first half that was overdue AND the second half as well ; these were processed as two separate transactions. Because two transactions were received by the mortgage servicing company 's payment systems, the second transaction was kicked out as a duplicate payment. This took me from XXXX, XXXX to the end of XX/XX/XXXX and I ended up paying the taxes myself with the company reimbursing me in XXXX, XXXX. It was a serious hardship to come up with such a payment during these Covid-19 times. 

I refined my house again in XXXX of XXXX and once again, my mortgage was sold to the exact same company. On XX/XX/XXXX, I received a letter from my homeowners insurance company stating that they had sent a bill to the mortgage servicing company twice but had not received payment which was due on XX/XX/XXXX. I contacted the mortgage servicing company and they said that due to a data entry error, the bill from the insurance company was marked paid when it had not been actually paid. The mortgage company corrected the error and released the payment to the homeowners insurance. The mortgage servicing company is NewRez LLC XXXX, MI XXXX. 

These are two major issues that have occurred in 9 months. I am concerned that this will continue to happen in the future.
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/2019 I made a transaction for {$350.00}, the transaction sits down til XX/XX/2019 until I filed a follow up asking them why its not yet delivered later that day I received an email and I replied to cancel the first one as I have already made a new transaction as always being done even if I know that this is advantageous to me because of lower rate and they immediately agreed and they deducted {$350.00} on XX/XX/2019 and another on XX/XX/2019 but it was delivered almost 2 weeks later. I asked them why charge me twice when we already agreed to cancel the first one day before and they said they will return my money thru mail and I insist to return it ASAP as I need it to pay my bills am late with my house payment cause of their greediness
Product: Debt collection

I received a letter stating I owe a debt which is in collections, I requested a contract with MY signature. This is not my debt and I am requesting an IMMEDIATE deletion. This is in violation of 15 USC 1692g. This erroneous debt is creating issues with my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquires on my credit report from companies that were not authorized by me i do not recognize these inquires and are affecting my credit negatively XXXX XXXX XXXX XXXX  requested credit report Creditor info : 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 XXXX XXXX XXXX XXXX XXXX XXXX  These are all unrecognized inquires and they are affecting my score
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT LISTED FOR A APARTMENT LEASE IS A FRAUDULENT ACCOUNT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO OBTAIN A LEASE IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCY TO MAKE A CRIMANAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and XXXX CRA &. On XX/XX/2020, I mailed XXXX, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of the victims whose information was taken from Equifax in the cyber attack over the past few months. Due to the website being overrun, I was unable to view my credit report with them ( which also took credit for my one report a year ). Additionally, they have another site that lets you check if you have had your information taken or not, https : //www.equifaxsecurity2017.com/, which I checked to verify and is NOT under their website 's domain. They make it as part of the terms and conditions that you ca n't sue the company in class-action, which is ridiculous since you need to check if you are a victim or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Wells Fargo customer, I applied for a personal loan, after applying I received an email saying that they are " Unable to approve your application. '' That basically meant that I was declined. I started digging online as why would be rejected, until I found the news about how Wells Fargo has shut down all personal line credits. A credit report was run, and received a hard inquiry with -1 point of my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report. Upon reviewing my credit report, I discovered several accounts and addresses that do not belong to me. The fraudulent information includes the following : Fraud Names : - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX Fraud Addresses : - 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  Fraud Accounts : XXXX. XXXX XXXX  - Account number XXXX XXXX. XXXX XXXX - Account number XXXX XXXX. XXXX XXXX  - Account number XXXX XXXX. XXXX XXXX XXXX - Account number XXXX XXXX. XXXX XXXX XXXX  - Account number XXXX Additionally, there is a record of XXXX XXXX bankruptcy discharged with the reference number XXXX. This bankruptcy does not belong to me and is a result of identity theft. 

I request that you investigate these fraudulent items and remove them from my credit report immediately. This information is damaging my credit score and is affecting my ability to obtain credit.

Please note that the inclusion of this fraudulent information violates several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I am entitled to a fair and accurate credit report, which includes the removal of fraudulent information.

I have also filed a report with the Federal Trade Commission ( FTC ) and obtained an Identity Theft Report. I can provide this report to you upon request.

Please inform me of the actions you will take to resolve this matter. You can reach me at XXXX to discuss this further. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX failed to investigate my disputes, they did not accept my documentation and will not let me dispute things that's already been disputed. This has negatively impacted my credit score, my job screenings, and my housing options.
Product: Credit reporting or other personal consumer reports

was medical not supposed to be removed from credit reports by XX/XX/year>? 
according to research shows that ( cfpb ) actually prohibited reporting agencies from including medical debt gla collections have failed to honor this new rule GLA COLLECTIONS {$4200.00} have disputed a few times with no solutions they have refused to remove the debt from my credit report
Product: Debt collection

This is a company pretending to be a lawyer that going to sue me. This is an identity theft account. They have so many FTC violations against me and I want it rectified immediately. 
I also want all the data finishers to be blocked from stealing and false reporting on my name.I am listing the codes that are to be applied to protect me. 
13 US.C. Census Private information is never published. It is against the law to disclose or publish any private information that identifies an individual or business such, including names, addresses ( including GPS coordinates ), Social Security Numbers, and telephone numbers. 
Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y This is the information the identytheft.gov instructed me to include in my dispute. I expect a block against all data finishers and secondary too. I expect all late payments to be removed from my credit report. I expect the violators to be penalized. Thank you for your immediate attention. 

XXXX XXXX
Product: Credit card

After a hail storm destroyed my hot tub, XXXX XXXX XXXX quoted a price of {$10000.00} for the XXXX model hot tub, which included free delivery. 
I authorized XXXX XXXX XXXX over the phone to charge my Chase Visa card for the DEPOSIT to proceed with the delivery on XX/XX/2023. I later found out when I received my statement that the merchant had charged me {$13000.00}, which included {$2900.00} in incorrect charges please see the attached spreadsheet, which I had sent to the merchant numerous times. 
The merchant, knowing that the hot tub purchase was from an insurance claim intentionally and fraudulently overbilled for services that were not delivered or not contracted for, including : Process and evaluation Remove and replace, although free delivery was quoted and promised Electrical work that was not done nor needed Delivery by XXXX, which was included in the free delivery. 
XXXX breaker XXXX XXXX XXXX, which was not needed and not performed Charged {$11000.00} for a hot tub that was quoted at {$10000.00} I disputed the {$2900.00} in overcharges with Chase Bank. Without investigating or requesting my documentation, Chase Bank resolved the fraudulent charges in favor of the merchant.
Product: Debt collection

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from a law firm, Durham & Durham LLP at XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, stating that I owed {$1100.00} to XXXX XXXX XXXX XXXX, for a date of service on XX/XX/XXXX. 

On XX/XX/XXXX I wrote a letter and placed it into the mail ( and have photos of same ), stating that I disputed the debt, and needed more information and verification of the debt. Specifically, I requested the name and address of the entity claiming the debt is owed, along with verification that the debt is owed. I received no response at all, until XX/XX/XXXX, when I received a letter dated XX/XX/XXXX. In this communication, no reference whatsoever was made to my request for verification and additional information. I note that the communication says that no attorney has reviewed the file, however, the communications appear to come on behalf of a law firm, and claim that the amount is your responsibility, which implies a legal review. 

I do not wish to be repeatedly contacted by a law firm by a person appearing to be an attorney ( who is not ) who also refuses for 4 months to verify the debt and to provide the statutorily required information. I believe multiple violations of the Fair Debt Collection Practices Act have occurred.
Product: Credit card or prepaid card

HSBC has repeatedly opened unrequested credit cards in mine and/or my husband 's name. We never requested nor authorized these credit cards. Despite numerous calls and complaints, they continue to open accounts and tie up our credit line. Each time we report the matter, they treat it as " fraud '' and then cover their misdeeds by " resolving the fraud complaint '' ( i.e., card cancellation ). However, the problem is a recurring one. 

Fraud is not the source of the misconduct. Rather, it is their sales/marketing group which has devised a compensation plan that drives and rewards this criminal activity. Just like XXXX XXXX, the HSBC Card Marketing group is incentivizing their employees with a performance plan that is based on driving new cardholder volume/metrics. 

Please let me know how it is that they're getting away with this? I am happy to provide you with more details and have attached a photo of their " welcome letter '' for my new UNREQUESTED card ( identifying details removed ).
Product: Debt collection

Midland Credit Management collection agency is requesting I pay a total amount of {$6800.00}. I disputed this account and told them this is a fraudulent account. They responded saying they verified the debt as mine however did not include a physical verification of the original signed consumer contract in accordance to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A I have sent a second dispute letter out to them with my police report and all required documents.
Product: Credit card or prepaid card

They closed my credit card account DURING A PANDEMIC. I had wrote them telling them I was experiencing financial hardship ( my unemployment didnt come in for MONTHS from their backlog in new accounts everywhere ) and they basically said too bad and they couldnt do anything then they give me pandemic assistance and allow me to skip payments for 6 months but keep my account closed. I missed only two XXXX  payments. This was XX/XX/2020 I tried to initially talk to them and STILL they wont reopen it. Its so embarrassing to have that on my credit report for TWO missed payment. Come one.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that 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 Balance : XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.