23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I contacted Comenity, as my credit report showed I was 60 days past due. Comenity determined they were not using my correct address, told me to dispute the late status with the credit agencies, so they could correct. I asked them for a letter, they said no. So I disputed at their request. 

Additionally, on XX/XX/XXXX I made a payment of {$320.00} on the phone with their customer service, providing account number and routing. 

XXXX of my reports ( XXXX and XXXX ) corrected the late status. 

On XX/XX/XXXX, Comenity contacted me, told me my payment was returned by my bank, no account found. I asked the customer service rep for the account number they used- it was incorrect and did not match what I provided them. So again, I made the {$320.00} payment. 

On XX/XX/XXXX Comenity reported me 90 days late and said that my payment hadnt posted yet. 

I demanded they correct this, I made the payment, and through a comedy of errors on their behalf my credit was seriously damaged. I lost XXXX points on my credit score. 

They said they would do an investigation, but refused to share the recordings of the phone calls with me. This is absolutely unacceptable. They are doing an internal investigation of themselves, and not sharing copies of calls that support my claim. Of course they will vindicate themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW Finical Services  is reporting that payments of {$320.00} on the months of  XXXX ,  XXXX ,  XXXX , and  XXXX  all as being 30 day late.   A formal debt validation request was sent out to  BMW Finical Services on  the dates of   XXXX  ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  with no response.   Calls were also made in   XXXX   XXXX   XXXX   but I was told that they though they could see that the payments at that point were indeed not 30 days late there was nothing that they could do to help and that I would need to go through some other means to get the report removed from my credit report but could not give me the information on what that would be.
Product: Credit card

I signed up for a product/service from XXXX. I received the product but never the services. I tried to contact them multiple times with XXXX response about scheduling lab work. This made me nervous so I canceled the service and put a stop payment on the company through Discover. Finally when I got in contact they admitted there was fault on their part and offered to credit me {$25.00}. The credit never happened so I contacted Discover again to dispute the transaction. For XXXX I never received the services promised from a provider, only an email. XXXX, they promised a credit I never received. Discover filed the dispute and sided with XXXX. XXXX admitted they failed to provide the initial refund, and my messages weren't answered so they offerd me a {$50.00} credit. When they issued it it failed to post to my Discover account. XXXX sent a screenshot of a credit that they tried to credit my account XX/XX/XXXX but say the charge back is still in place, it reversed XX/XX/XXXX on my statement, so they refuse to do anything and tell me to work with Discover. I've provided Discover with multiple emails from XXXX, showing the refund failure, the admitting they failed to credit {$25.00} initially, showing they were crediting me {$50.00}, showing the last XXXX of the card used. Discover now refuses to repoen the dispute for the incorrect amount due to " policy ''. Each company puts the responsibility on the other and neither will fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had some questionable things on my credit report so I reached out to the appropriate channels to get them rectified. Noticed an incorrect Bankruptcy on my credit file, I contacted the Data Furnisher which was XXXX XXXX. Upon their investigation they determined the Bankruptcy on my credit file was inaccurate and they deleted it from my file. I reached out to the 3 credit bureaus to inform them that their " Source '' XXXX XXXX whom they claim is the data furnisher, has deleted the information they need to follow suite . Only XXXX  did the right thing and deleted it. Experian and XXXX sent back a letter stated that the Bankruptcy was VERIFIED though XXXX XXXX despite the account being deleted for inaccurate information. 

This proves that those two bureaus did NOT do an investigation, they automatically deemed it verified. If they would have did a legal investigation then they could not have possible verified this bankruptcy because it's no longer there on my consumer report where they claim to be getting the incorrect information from in the first place. Please help me get this removed as they should have done according to the FCRA. This is hindering my ability to borrow, I need a mortgage and am being hymned up by incorrect information that shouldn't even be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written dispute letters to Equifax on many occasions disputing the following items : XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the following violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have physical and digital proof that via XXXX that the letters were left with an agent of Equifax. I never received a response or proof that an investigation took place, which is grounds for removal. The procedures in case of disputed accuracy was not followed. I wrote to the CFPB to file a complaint. I typed out specifically, in great detail what occurred, and which XXXX. Codes that were violated by Equifax and the companies furnishing the disputed information. NONE of my matters were addressed. A representative from the CFPB responded to me in writing stating the following : " Below includes the results of that investigation. XXXX XXXX; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' Why did no XXXX address any of the violations? Why did no XXXX address my right to privacy being violated? Why did no XXXX address that I never opted into reporting ; no consent = identity theft! Why did no XXXX address the fact that I requested original contracts and disclosure forms ( which are to be " clear and conspicuous ), and never received them! How am I to believe anything that is being reported? Why did no XXXX address that XXXX, Equifax, and XXXX are furnishing completely different information for the same accounts! Why are these accounts reporting incomplete, inconsistent and inaccurate information!? How do I know the accuracy of the balances are correct. etc? I can keep going. Nonetheless, I sat and waited XXXX XXXX for that extremely LAZY response above from the CFPB. YOU, the CFPB is the supervising authority over the CRA 's, yet, you are not enforcing any laws! I also stated that I do not consent to XXXX and I am XXXX XXXX sure that was used to handle my complaint. If XXXX was not used, please have Equifax provide me the name of the company they contacted, if they contacted them via mail or phone, the date and time they contacted the companies, the person they spoke with, etc, so I can follow up with these individuals.
Product: Debt collection

There was n't a clear category for my issue, but I live in a state ( NC ) where I know the mini-Miranda must be read, however when I was contacted this morning by Navient, it was n't read nor was I properly verified - just a " Is this ( my name )? '' and then went right into verifying my contact information. I know that not saying the Mini-Miranda is a violation of the FDCPA since they were trying to collect on a debt ( XXXX overdrawn )
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortage with XXXX XXXX for 3 yrs and never had one late payment, last yearI was refiancing and told by the lender I was working with not to pay XX/XX/2019 payment because it was included in the loan payoff. The entire loan was paid off on! XX/XX/2019 in full and then XXXX reports me as being late on my payment. 
I have had no success with XXXX XXXX removing the mark from my credit report XXXX XXXX
Product: Debt collection

Credit Bureau Systems is reporting a damaging collection account on my credit report. I have sent them a debt validation request over 30 days ago and I disputed it with the credit bureau but this collection agency verified to Transunion that the debt is reporting correctly when in fact it is n't which is a violation of the FCRA and FDCPA. They did n't even report it as disputed. By law they are not to report a debt that has not been validated. This reporting is has already caused me damage and I can not get approved for credit with this inaccurate listing on file. I never got anything in the mail from this agency not even a call. It 's like they 're totally disregarding me and my position.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not Authorize XXXX XXXXXXXX to run my credit and I have already sent them a letter and waited XXXX BUSINESS DAYS to remove all hard inquiries that are unauthorized There is XXXX unauthorized inquiries on my Equifax report there are XXXX on my XXXX report and there is XXXX on my XXXX report and capital one does not have my authorization to to run my credit therefore there should be no hard inquiries and I have tried to resolve this by phone mail and email. 
The XXXX XXXX and XXXX XXXX XXXX also do not have my authorization to run my credit and also I have no open accounts with either of them and I want these removed from my report
Product: Credit reporting, credit repair services, 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 privacy and confidentiality under 15 USC 1681. 
XXXX  # XXXX, XXXX, # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX, XXXX # XXXX. 
15 u.s.c 1681 section 602 A. States I 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 Report containing any the following items of information other then records of convictions of crime which antedates the report by more the 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 reasonable cause to believe that the information is inaccurate.
Product: Credit card

Moving to a new state Citibank locked my card twice, once for a U-Haul rental then for paying my last months rent. The first instance was resolved by the XXXX XXXX department, the second instance the rep was rude and refused to help and locked my account. I was transferred to a stateside rep who said he could do nothing due to the overseas reps actions. The rep said we can mail you a letter, I asked what address is it going to cant tell you that, I asked to update the account phone number and they said no. I have had frozen account for XXXX weeks with XXXX help.
Product: Prepaid card

I got this card as a gift and had not used it. When I tried to use it in store it wouldn't work, so I tried to register it online. I went to the website XXXX  and put the 16 digit card number and XXXX digit pin to register and it just kept coming up with error. So I called the number on the back of the card. They told me it was already registered. It could not have since I personally tore it out of the packaging when I got it. They told me to click on the " card not working link '' on their website but I had already tried and the link does not work. They then said I had to fax them a picture of the front and back of the gift card as well as my photo ID/Driver 's License. I did not feel comfortable doing that. They said there was no other option.
Product: Debt collection

I keep receiving notices from Linebarger Goggan Blair & Sampson , LLP for toll debts from XXXX in Colorado. These tolls were paid at the time of occurrence by XXXX XXXX XXXX XXXX, a construction company in XXXX CO, who opened the account for this vehicle. The account has since been closed. A check with XXXX shows no balance due. This is obviously a scam by this collection agency to extort money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and on XX/XX/2021 I sent a letter to Equifax asking them to provide physical verification for accounts that are being reported on my credit report, and for those items to be deleted, after 30 days there was nothing sent to me and items still show on my report. As of today XX/XX/2021 I have yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted.
Product: Debt collection

2 years ago an account from XXXX XXXX showed up in my credit report, I contacted the source and through internal investigation it was discovered as fraud and I asked them to close the account and report to credit agency of their finding and they did and remove the account and I put fraud alert on the reporting agencies. fast-forward to 2 months ago I got the annual report and the collection LVNV Funding / Resurgent Capital showed up. after contacting the company I discovered that the original creditor ( XXXX XXXX / XXXXXXXX XXXX ) have sold the account to this collection company. I notified the collection company in writing providing them with my personal identification and asked them to provide me with verification of original contract/ agreement / statement or anything that would be connecting me to this debt ( please see attached documents ) they have not provided me with nothing other than some computer generated statement and credit application that does not match with any of my personal ID such as date of birth, address, employment, driver license. 15 U.S Code 1693f and 15 U.S Code 1692g- validation of debt and 15 U.S Code 1692j -Furnishing Certain deceptive forms, this collection company are in violation of the many U.S Code Chapter 41, Subchapter 1692g.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
( List all accounts : ) ''
Product: Mortgage

This is an additional complaint to Bank of America. My current complaint is for CFPB Complaint ID XXXX which is citing the banks RESPA and ECOA violations for not rendering a credit decision within 30 days of receiving a credit application from me with the XXXX elements that are required ( Name, Income, Social Security Number, Property Address, Estimated Value and Mortgage Loan Amount sought ). This complaint is open and still being investigated. 

Regarding Mortgage Application : My new complaint is that I have repetitively asked for a copy of the invoices for the credit report and appraisal fees that were collected from me upfront in the total amount of {$1200.00}. The credit report fee was {$30.00}- which seems reasonable, however, the appraisal fee of {$1200.00} is high. I agreed to this fee but after the appraisal was delivered on XX/XX/2021 I have asked for a copy of the invoice for the appraisal and credit report fees to confirm that they are not profiteering from the 3rd party appraisal services, but to this date they have not been able to provide me with a copy of the appraisal report. 

I have asked XXXX XXXX at XXXX Ext XXXX for a copy of the invoices and he said he can't see them and will try to locate them for me as of XX/XX/2021. The appraisal report was delivered to Bank of America on XX/XX/2021 and the credit report was delivered on XX/XX/2021. There is no reason why they can't provide me with a copy of these 2 invoices. I asked XXXX XXXX for his email address and he refused to provide it to me for security reasons. He stated that they have sensitive financial information at the bank - such as account numbers and social security numbers- and somehow him providing me with his email address would compromise the bank 's security. He also told me on a recorded line that the credit report was {$28.00} but somehow they charged me {$30.00}- which is the violation I am seeking to uncover. XXXX 's email is his XXXXXXXX XXXXXXXX. I already knew what his email address was based on the corporate email format, but found it very interesting that he would not share it with me. I felt that I was being discriminated against as an XXXX  XXXX. I felt that I was being spoken down and that I am ignorant because I am an XXXX  XXXX  that wasn't born her. 

The appraiser who conducted the appraisal was XXXX XXXX XXXX California XXXX of Real Estate Appraiser 's License Number : XXXX. I have reached out to him for the invoice he sent the Appraisal Management Company and have not heard back from him. His number is XXXX and his email is XXXX. 

I would like a copy of his invoice that was submitted to match it to the one that Bank of America producers to ensure that Bank of America does not internally alter the invoice that they are allegedly profiteering from. 

I can be reached at XXXX XXXX XXXX
Product: Mortgage

I have had a mortgage on my condo in XXXX XXXX FL for many years, and in recent years it has been serviced by Rushmore Loan Management Services of XXXX CA. 

Recently, I had enough money to pay off the loan in full so requested a payoff statement from Rushmore. They sent me one, dated XX/XX/2019, indicating that the total amount to pay the loan in full would be {$4600.00}, provided the funds were paid before XX/XX/2019. 

I paid them that full amount of {$4600.00} on XX/XX/2019. The next day, I checked the online loan system and it told me that I owe another {$350.00}. I raised a query on their online messaging system on XX/XX/XXXX and got back a response saying only the query was under review. I chased it with another online message on XX/XX/XXXX, and got back a message saying I should call them. 

So I called them today XXXX XX/XX/XXXX ) and they left me on hold for a very long time, attempted to brush me off with unconvincing explanations, and then only when I persisted, agreed to submit a " request for research to their cashiering department ''. But they are still unable to resolve the situation or give me a firm timetable for resolution. 

It's very simple - I paid the full amount in their payoff statement and I paid it on time. They need to acknowledge that I don't owe them any more money and they need to stop giving me the runaround. This loan should have been completed already.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

This is a written notice to agent and principal that I XXXX XXXX have requested credits for unauthorized transactions that took place on my card. The dispute was received on or around XX/XX/XXXX case number : XXXX, email XXXX, last XXXX of ss XXXX, birthday XX/XX/XXXX, XXXX XXXX still has not given me my provisional credits for the unauthorized transactions am its been more than 10 days since I requested it. They are not following the billing error procedures cfr XXXX and I need that money. I demand credits for those transactions, I want relief for damages and financial injury an I am alleging the following things : XXXX dollars for damages should be paid to me because of the breach of warranty, XXXX for negligence because of the breach of warranty, and XXXX for breach of contract damages, XXXX for breach of contract negligence, XXXX for damages for product liability. Please be advised if you do not agree I wish to pursue arbitration for the maximum amounts of equitable an monetary relief according to the policy an this should serve as a written notice to that fact. Please respond in 10 days.
Product: Money transfer, virtual currency, or money service

Every time I try to log into my PayPal account online, I am met with a Security Challenge that does not work correctly.

The Security Challenge is a captcha that continuously tells you that you failed it, no matter what you do. 
The website does not seem to remember my computer as they keep sending me Emails saying a new login was detected. There is no way to get in touch with them at all, besides an automated message service on their website, or through XXXX / XXXX, both of which they ignore, and do not reply to. If you try to call, you get an automated response system, which directs you to use the message service on the website, and then hangs up the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several complaints about Ocwen Loan Servicing about inaccuracies they have reported to the credit bureau. They removed it after I filed several disputes, However it has returned on my credit report on XX/XX/XXXX causing me to drop 40 points. I was told by a PHH representative that It has been reported that on XXXX of XXXX I was XXXX dats past due during a transitional period when my loan was transferred from Ocwen to PHH. I have pulled my credit report and it only shows I was late in XXXX & XXXX of XXXX. I have researched my payment history with my bank and found XXXX payments that appears to be made in XXXX and XXXX in XXXX that verifies I was on time. I have attached the proof documents to this complaint.