23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank, XXXX XXXX  and XXXX all lied to me and reported late payments on my credit report when they promised not to as I paid off the balances in full. I have the conversations recorded where they said they would not report the payments as late because I was sick qith XXXX  XXXX. All of them then immediately turned around and put a late payment on my credit. Which caused other accounts to do hard pulls on my credit report without my permission or any notice which then further damaged my credit score. 
All of this resulted in XXXX XXXX  and XXXX XXXX  closed my accounts due to my current credit situation, citing a reason that was not a part of the approval process when they approved the credit lines. This did further damage to my credit report. A VERY SIGNIFICANT AMOUNT OF DAMAGE. I own my own buisness and am struggling to to keep it open. Because of all of this no one will lend me a dime and I will be out of buisness before the end of the summer 2022. This completely skewed policy or loophole that allows a lender to close your account because suddenly they are unhappy with my credit score allows them to, subsequently, do a bunch more damage to your score should not be legal. Why is there no one on the side of the consumer? No pathway for recourse? I've tried calling the creditors numerous times to get them to take it off, I've disputed this with all of the mentioned creditors with the big three agencies numerous times. This has single handedly ruined my life and my future. Getting XXXX  for 2 months was not supposed to be met With financial ruin yet here I am before you, the ruined man about to be homeless, lose my company, lose the reputation I've built around my service, and the immense amount of credit building I've been doing the last three years has been all for nothing. Thanks to all the banks and corporations who own our government. Who run our country. Who ruin our country. In the name of their greedy shareholders bottom lines. I am ruined. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Texas XXXX Transunion XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. I also would like for you to remove the fraud alert on my credit report ASAP! 

XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXXXXXX Inquiry from XX/XX/2020 XXXX XXXXXXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 Inquiry from XX/XX/2020 XXXX XXXXXXXX Inquiry from XX/XX/2020 In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Harley Davidson financial continuously calls starting at XXXX EST, immediately the day after the payment is due on my loan, I pay them in 2 payments one week I pay half usually before the due date and the following week I pay the other half of the monthly payment due, sometimes its a few days over the due date, nothing crazy over, theyve told me theres no grace period on the loan even though the customer service rep said theres 15 days before a late fee is applied. I have emails with scheduled payment dates to show that the payments were scheduled and bank account statements to back up their receipt of payment.
Product: Credit card or prepaid card

I have had a Paypal account through XXXX XXXX since XX/XX/XXXX. In XX/XX/XXXX. I was fraudulenty enrolled in Card Security Debt Cancellation. I signed no Agreement or checked any boxes to give Authorization to enroll. I would have caught this earlier, but I have been coping with a diagnosis of XXXX XXXX with XXXX XXXX since XX/XX/XXXX. I am recieving XXXX XXXX and XXXX. Icalled Card Security several times since XX/XX/XXXX and was givinen excuses and being hung up on. I have a XXXX   Condition gining me aclaim for XXXX not dealing with reality. The doctors form was signed on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish and account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA the credit bureaus supposed to report 100 % accurate and verified information on consumers credit reports. XXXX  removed this item XXXX XXXX XXXX XXXXXXXX off my credit report but Experian and XXXX  kept it. I demand that they provide a METHOD OF VERIFICATION or DELETE it off my credit report immediately.
Product: Checking or savings account

I wanted to add this to my existing complaint. My rep at XXXX XXXX is speechless and says I should be getting the cash bonus offered to me. My XXXX did the same things I did and got the bonus and I did not. Someone above rep said the same thing that I should get the bonus. I'm not sure why BofA is not responsive and doesn't want to pay the bonus. Apparently bofa somehow thinks I do not deserve the bonus because I didn't login to my BofA account within the first 120 days I had the account. My XXXX  personally took a computer into the hospital and logged into the BofA bank account in question. I recall logging in during the first 120 days. I didn't have much of an opportunity to do so being at XXXX XXXX for XXXX  months during much of this time for XXXX XXXX. I took this all the way up the BofA food chain to the CEO and his exec leasdership including the compliance leadership. I didn't hear back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed Equifax an Identity Theft Affidavit, FTC report and other supporting documentation, delivered XXXX XX/XX/XXXX. I spoke with a representative XX/XX/XXXX and she stated that I needed to resend my FTC report because I had missed a date and they were unable to delete the accounts. According to 15 USC 1682c-2 ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please see attached
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : I made my payment on time, but due to a processing delay, it was not credited to my account until after the due date. I have included bank statements that confirm the payment was made before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am a victim of XXXX XXXX scam. I wired money to XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX for {$25000.00} XX/XX/XXXX for {$78000.00} through by bank account with XXXX XXXX  and on XX/XX/XXXX for {$100000.00} and XX/XX/XXXX for {$50000.00} through my bank account with XXXX XXXX XXXX. 
I initiated wire recalls on XX/XX/XXXX once I came to know about the scam. 
These businesses are using wire transfers as part of a scheme to defraud or to obtain money by means of false or fraudulent pretenses My complaint alleges that the proceeds of wire fraud was involved in money laundering and Banks are facilitating. I initiated wire recalls through both my banks- XXXX and XXXX XXXX XXXX  on XX/XX/XXXX, but so far no recovery is done. 
This particular account is with Bank of America who is denying to return the money back. 
4 wires in the amount {$25000.00} on XX/XX/XXXX, {$78000.00} on XX/XX/XXXX, {$100000.00} on XX/XX/XXXX and {$50000.00} on XX/XX/XXXX to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America National Association Routing number XXXX Bank address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recipient Acct number XXXX I have reached out my local XXXX law enforcement who has reported the case and assigned detective XXXX. 
I have reached FBI through IC3 form and currently working with a FBI Agent XXXX XXXX from XXXX XXXX, CA, who is assigned formally to investigate my matter. My case # with the FBI is XXXX I have also reached out other authorities like FTC, CFTC, SEC, XXXX, XXXX, Attorney General of Georgia, CFPB, OCC, XXXX, DFPI and XXXX  XXXX District Congresswoman. 
I just want Bank of America to return my money that I wired to XXXX XXXX XXXX XXXX XXXX under false pretense and misrepresentation.
Product: Credit reporting or other personal consumer reports

recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry from a company I have never heard of. I have never applied for a personal loan, so I am confused as to what this is or why it is on my credit report. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX - Personal Loans Cos. 
This inquiry could stay on your report untilSep XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter to the credit bureaus regarding several inaccuracies that was on my credit report. This maybe due to my information being compromised in the Equifax Data Breach.I have asked for a resolution and have yet to receive a response. It has been more than 30 days and i feel as if my concerns are being ignored by these bureaus. I understand that in Section 611 ( a ) states, failure to investigate these items within 30 days give reason to immediately remove the items from my credit report. It has been 30 days. I demand these accounts be removed immediately or I will file for litigation.
Product: Debt collection

After reviewing my credit report, I have discovered a fraudulent account was established in my name and not proper validation/authoritization was provided to connect the services.
Product: Debt collection

I have been getting text messages from synchrony bank in regards to fraudulent transactions to aTJ Maxx rewards credit card that I have not signed up for. I filed a fraud report and requested the account to be closed. But they asked that I pay for the {$210.00} payment fee that I had missed. But I didn't need to make the payment because I had never made any transactions with a TJ Maxx credit card. Nor have I ever opened up one. If I did, I would remember. But, I don't. So I just made the payment today and I have family members asking me why I did it. But I can't give them a straight answer.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : AXXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$7700.00}
Product: Credit reporting

I utilize XXXX XXXX for monitoring of my credit information. On or around the XXXX of XXXX this year, I checked my report and their were XXXX hard inquires removed from my report. Needless to say when I checked my account again on the XXXX XXXX, 2016 the inquires were placed back onto my account without notifying me by mail or email. After multiple failed attempts to get this matter resolved by Transunion I feel compelled to take this matter a step further. I have been placed on hold for long durations of time only to have the phone hang up. There was also an incident where the representative stated she do n't see where anything was removed and I told her that it was and around the date that it was and she stated well I do n't see it. When asked to speak to a supervisor I was placed on hold for a short duration and then the phone subsequently hung up. Although I know that representatives may have to deal with multiple personalities on a day to day basis, I do not feel they should treat people in this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719.

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO - 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 .

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of incorrect information was unknown and erroneous. The information were pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to Equifax and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following information 's be corrected and removed accordingly. 
EMPLOYER : XXXX XXXX XXXX
Product: Debt collection

I had credit card debt with Capital One. I never received notification from XXXX XXXX stating that they took over this debt from Capital One, Nor have they even tried to contact me. They sent this to their attorneys who have recently have XXXX complaints from me on this matter about how this bill turned into an XXXX credit card debt that was originally a little over XXXX. If this debt is truly over XXXX, they need to send me the bill of sale of this information or an itemized letter showing exactly as to how this has been turned into what it is. Including the interest they added onto it. 
They never let me dispute nor even talk to them before they sent it to their attorneys office who is just as crooked as this company is. They had their attorneys sue me regarding this matter. I was never served by anyone and then the next thing I know it I received a garnishment. They attorney 's have all ready taken over XXXX bucks over the time frame. This debt should be considered satisfactory and paid or is this company that greedy? If they expect me to sit quite over this matter they have another thing coming. I know they expect people to not know their rights and is why they and their attorneys have had many class action lawsuits against them. They have me under XXXX XXXX which was my maiden name. Not only that I was in the process of a XXXX situation at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureau to do a verification of everything on my credit report and they did and stated that everything was accurate so I did a thorough research myself and found improper inaccuracies on my report after the research. 


XXXX Account XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Debt collection

QWR NOTICE OF ERROR SETTLEMENT OFFER ENCLOSED WITH SUPPORTING DOCUMENTS SHOWING XXXX 'S STAFF COMMITTING FRAUD AND TRYING TO COLLECT DISCHARGED DEBT.
Product: Credit card or prepaid card

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Against Comenity Capital Bank 's Predatory Practices Dear Sir/Madam , I write to lodge a formal complaint against Comenity Capital Bank for what I perceive to be their predatory business practices, especially concerning their credit card promotions. This experience has not only caused me financial duress but has also made me deeply concerned about the broader implications of such practices on unsuspecting consumers. 

On XX/XX/XXXX, I made a purchase of {$1200.00} from XXXX XXXX XXXX XXXX  using Comenity Bank 's Payboo Card promotion, which promised zero interest for 12 months. Relying on their terms and believing in their transparency, I set up an automatic monthly payment of {$100.00}. As of XX/XX/XXXX, my remaining balance was a mere {$53.00}. To my shock, Comenity Bank levied an interest charge of {$170.00} on this balance, an action that feels not only exploitative but also deceptive. 

Key Issues : Lack of Communication : Despite the looming interest accrual, there was no prior communication - be it a paper bill, an email, a text, or even a simple phone call, to alert me of this impending charge. 

Predatory Promotion Terms : The terms and conditions associated with the promotion are designed in a manner that seems intended to trap consumers. While businesses have the right to earn interest on overdue amounts, the sheer magnitude and method of this interest application, particularly when the outstanding amount was so minimal, is hard to view as anything other than predatory. 

Public Evidence : A brief review of the XXXX XXXX XXXX XXXX page for Comenity Capital Bank reveals a pattern of complaints, underscoring the systematic nature of these issues : XXXX  Comenity Bank Complaint Page. 

Requested Actions : Full Refund : I urge the CFPB to intervene and compel Comenity Capital Bank to refund the {$170.00} interest charge in full. 

Transparent Communication Mandate : The bank should be obligated to provide clear and timely communication about any upcoming charges or changes, especially those with potential financial penalties. 

Regulation of Promotional Terms : Such misleading promotional terms should be scrutinized, regulated, and if found predatory, removed to ensure a fair consumer environment. 

In the interest of all consumers and in pursuit of transparency and fairness in financial transactions, I implore the CFPB to thoroughly investigate this matter. The public deserves protection against practices that seem designed to exploit, and institutions like Comenity Bank should be held accountable for their actions. 

I trust the CFPB to take the necessary measures in this regard and ensure that consumers like myself can engage in financial transactions without fear of hidden pitfalls or exploitation. 

Thank you for your time and attention to this matter. 

Warm regards, XXXX