23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

POSTED AT : CONCORA CREDIT CARD MULTIPLE NOTICE OF DISPUTES AND DEMAND FOR VALIDATIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> CONCORA Credit Card Fax Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : REQUEST FOR INVESTIGATION AND CORRECTION OF ERRONEOUS BILLING IN ACCORDANCE WITH THE FDCPA To the Director of Concora : I hereby formally draw your attention to certain discrepancies and unauthorized transactions that have been identified on my Concora credit card statement. Enclosed herewith as Exhibit 1 is the pertinent statement that conspicuously lacks a refund for the contested charge of {$92.00}, originally attributed to XXXX, which I have disputed since the XXXX day of XX/XX/year>. The charge is fraudulent and lacks validation. In accordance with the stipulations set forth in the Fair Debt Collection Practices Act ( FDCPA ), Section 1692g ( b ), I require cessation of all collection activities and a comprehensive written elucidation for the failure to credit my account accordingly.

Moreover, I hereby request that you furnish a certified record detailing all transactions posted to my Concora account since XX/XX/year>, inclusive of the company 's provisional credit policy. This is sought to ensure transparent accounting and to rectify any discrepancies that may have arisen therewith. 

WHY HAS THIS XX/XX/year>, DISPUTED XXXX FRAUD NOT BEEN PUT BACK IN MY ACCOUNT, AT MINIMUM, AS PROVISIONAL CREDIT? Answers are needed. 

In addition to the dispute concerning the XXXX charge, I must also contest and demand validation for the transaction listed in Exhibit XXXX, a XXXX refund amounting to {$9.00}. Notably, this transaction lacks an associated card number and, more importantly, has not been reflected in either the available credit or the account balance. The location of this alleged refund remains ambiguous and requires immediate clarification. 

I further dispute a charge from XXXX XXXX XXXX totaling {$19.00}. I affirm that I have not availed myself of any services that would justify such a charge and have lodged formal complaints of harassment against the entity in question, owing to their unconstitutional conduct and interference. 

Given these non-validated and fraudulent transactions, my account records should be amended to excise these charges posthaste. I assert that a credit amounting to {$120.00} is rightfully due to be restored to my balance and available credit. 

I trust that you will address these matters with the urgency they warrant and anticipate a prompt resolution to the issues at hand. I seek equal protection of the law, in the enforcement of consumer protection laws noted. I thank you in advance for your cooperation and expedited attention to this pressing matter. 

Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau
Product: Credit reporting or other personal consumer reports

My grandmother added me to two of his credit cards with Citi bank. about 8 moths ago, she removed me from those accounts and we confirmed this with the bank. However, the balance of those accounts still showing on my report and disputing this information on my credit report did not solve the matter.
Product: Money transfer, virtual currency, or money service

I want to close my account with Paypal, because of the fact that the way that they process the transactions on my behalf leads to economic problems with my budget whereby I don't have enough money to buy food in the grocery store due to the complexity of the accounting errors in the Paypal account. They will not allow me to close the account.
Product: Checking or savings account

This is the second complaint that I. am writing to the CFPB in regards to this issue of fraud that occurred while I was in the XXXX XXXX for the month of XXXX and XXXX XXXX. I ask Chime for proof of my signature and a copy of my passport and they have not given me these proofs that show that I made any transactions in that country. I need actual receipts and a signature and a copy of my passport showing the validity of these fraudulent charges. 

I want for CFPB to publish this everywhere so everyone can see how awful, unjust and crooked is chime. They are the worst of the worst and I want to start a class action suit.
Product: Credit reporting or other personal consumer reports

I keep getting attempts for credit at XXXX XXXX 

dateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit bureau keeps coming back verified I have sent a letter to Experian and XXXX from XXXX XXXX saying that they never reported anything to a credit bureau and they have no record of this bankruptcy but they keep reporting it
Product: Credit reporting or other personal consumer reports

Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX. 

Dear XXXX, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX the necessary steps are being taken on my part to rectify this incorrect information. 

I recently disputed the presence of late payment on my XXXX XXXX account XXXX, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being.

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX have been a victim of identity theft and impacted by the Louisiana and XXXX data breaches. As a result, as a Louisiana resident, my personal information was exposed in the breaches that made global news. I'm a victim of identity theft, and the accounts and inquiries listed result from identity theft. 

Accounts & inquiries that are not mine and a result of identity theft are below. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 to privacy and confidentiality under 15 USC 1681. 
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, has violated my rights. 
15 U.S.C. 1681 section 602 A. 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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 or consciously avoids knowing that the information is inaccurate.
Product: Credit card

I opened a Macy 's credit card ~12 months ago and have been using it and making full payments on time, but I have not purchased anything in the last 2 months. They are charging me a {$2.00} a month " minimum interest fee '' each month, despite not having any purchases and not carrying a balance. I now owe {$4.00} - will that show up on my credit report? Will I be charged a late fee? This is n't legal right?
Product: Credit reporting, credit repair services, or other personal consumer reports

I just paid down all my credit cards to 70 % level. My score went up by 14 points by 1st week of XXXX. Just checked it again today XX/XX/20 and it dropped 14 points. I have not used the cards again. I am just tired of the credit bureaus manipulating my credit scores.
Product: Credit reporting 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 to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX ; XXXX XXXX XXXX  XXXX ; has violated my rights. 

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

15 U.S.C. 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15U.S.C. 1681 c. ( a ) ( 5 ) section states ; No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than 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 or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX Credit Card account shows it belongs to a business and is not my account. I have disputed this XXXX times and they refuse to remove this account. This is not my account.
Product: Mortgage

XXXX XX/XX/XXXX Nationstar d/b/a Mr. Cooper has made it very difficult and impossible to resolve my mortgage problem. They have prolong the court hearing for NO REASON by stating DOCUMENTS INCOMPLETE. Which they original stated were turned in via Mr. Cooper website. I was kept in foreclosure and the fees tripled and the ROBO calls kept coming even though NO ONE would every pickup. I have written letters both to Mr. Cooper and other agency regarding in unfair treatment of this company. HUD and CFPB and XXXX XXXX. before COVID and even during this company has harassed me to send money without even giving me documents or legal counsel. We were in mediation and out of the blue I was getting calls from Mr. Cooper to sent in money. Your HELP will be greatly appreciated. Thank You FYI XX/XX/XXXX State Of Connecticut - Attorney General XXXX XXXX Settled past violations that affecting thousands of Mr. Cooper customers ( {$86.00} million ) This is my 3rd complaint I have filed regarding this company!!
Product: Mortgage

To CFPB Case Manager, I have applied to refinance my mortgage with NationStar Mortgage, In early XXXX. I have supplied NationStar Mortgage with all of the necessary documentation to qualify for a refinance. NationStar mortgage has proceeded to put my house in a Foreclosure status, even after I propagated all of the necessary documents, which view that I meet their standards to refinance the property, i.e., XXXX XXXX XXXX, XXXX, MD XXXX. NationStar are breaking all of the government regulations, which protect consumers from large entities such as they, who take advantage of the elder and consumers. I would like to keep my house, which my XXXX adolescence children currently reside.
NationStar has proceeded to Foreclosure on the property, which I purchased on XX/XX/XXXX. As a consumer I know that NationStar are discriminating against I. I would be more than gracious if the CFPB would assist me and keeping my house, which I and my XXXX  adolescence children currently reside. I believe that I 'm experiencing, i.e., Red-Lining from NationStar Mortgage.
Mortgage # XXXX Property : XXXX XXXX XXXX, XXXX, MD XXXX  Thank You, XXXX XXXX XXXX ( Mobile ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am filing this complaint against Equifax and there is no third party involved. I have sent out a letter to Equifax mailed certified XX/XX/XXXX. Equifax is in violation in regards to the information that is being furnished on my consumer report. I would like to state that Equifax is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that a consumer reporting agency may only furnish information to a consumer report in accordance with the written instructions of the consumer. I, the consumer, never gave Equifax any written consent to report anything to my consumer report. NO CONSENT = IDENTITY THEFT. The following are fraudulent inquiries. I did not initiate, authorize, benefit from, nor consent to any of the listed inquiries and I demand they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft : 1. XXXX XXXXXXXX 2. XXXX XXXX XXXX : XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX 3. XXXX XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. XXXX : XX/XX/XXXX 5. XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX 6. XXXX XXXX XXXX  : XX/XX/XXXX 7. XXXX XXXX XXXX : XX/XX/XXXX 8. XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX These fraudulent items on my consumer report is preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If Equifax can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I demand these fraudulent, unauthorized inquiries be removed from my consumer report WITHIN FOUR ( 4 ) DAYS! If my demands are not met, I will hold Equifax civilly liable under 15 USC 1681n for willful noncompliance AND aggravated identity theft pursuant to 15 USC 1681a ( q ) ( 3 ). I have enclosed a FTC Identity Theft Report which states the fraudulent inquiries that need to be removed.
Product: Credit card or prepaid card

On XX/XX/2022 at XXXX XXXX  XXXX time. I had called the customer service support center at XXXX and spoke to a representative named XXXX. I inquired about the status of my current Fortiva credit card and asked her on why did the company decided to close my credit card account? I also told her that I had also received an e-mail from Fortiva on XX/XX/2022 at XXXX regarding to the closure of my account, due to the fact that I did not use my card regularly even though my balance is absolutely at {$0.00} and I had always made monthly and annual payments for the fees they had charged me in full and early but never been late or short in payments. She told me that I was right and correct but she said what she is seeing on her computer is the one and only reason why it was closed because of non-use of the credit card activity. I immediately requested to see if I can speak to a different department who is authorized to review and reopen my account or someone who is higher in rank that is authorized to do the same but the representative became defiant so she refused and ignored my request. She told me I have to reapply again or wait for an invitation. She wanted to end the call quick and not provide outstanding customer service like he is supposed to as I am a valued consumer. The representative is very poorly trained and clearly XXXX
Product: Checking or savings account

I filled fraudulent claims in time with Wells Fargo. 
They paid a few fraudulent withdrawals from my account from international companies and found the. To be fraud THEN denied others from the same company! I have tried to work with them and then they closed my accounts!! No trusted them with my inheritance and they did nothing to help me get my fraud claims resolved! Its their way or in my case in debt and broke! They have put me with bad credit and no money! They let thieves take my money out of my account! 

Once contacted I will forward all of the bank statements
Product: Credit card or prepaid card

My credit limit has been reduced 3 times in the last year from {$15000.00} to {$8500.00}. The most recent was on XX/XX/XXXX. My payment history with the company is excellent so there is no reason for the decreases. Their actions are causing my credit score to stay stagnant rather than rise which it should be. As I pay off the card, my credit utilization should be dropping, which in turn would raise my credit score. 

I've spoken to 4 representatives and am being told that there is no one who can restore my previous limit and that I should apply for an increase. The problem is that I won't get approved for an increase if my credit utilization, and this my score stay stagnant, which is purely due to their actions. 

There are 2 statements attached from XX/XX/XXXX and XX/XX/XXXX. Both show a credit limit of {$9500.00}. I don't have a statement from this month, but the limit is currently {$8500.00}.
Product: Credit reporting or other personal consumer reports

I keep disputing inaccurate personal information from Experian, such as my name, address, phone number, and work history. I only have 1 name, 1 address, 1 phone number, no nicknames, or slang, and no abbreviations but somehow, inaccurate information will be removed to reappear days later. I called and mailed in the reappearing inaccuracies and nothing was done by the dispute department to correct the information that I reported to them on several different occasions. 

Experian is in violation of my rights to only report accurate information, ( ONLY ). Per Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

However, a consumer reporting agency may continue to report information it has verified as accurate. Please see the attachment of my dispute results from Experian, refusing to DELETE the inaccurate personal information for good. I've also attached proof of my voter card, and court order seal divorce document with my correct name, address, phone, and exedra.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, XXXX, the provider of my federal student loan, reported my loans 90 days pasted due while my account was on an approved forbearance. My loans went into forbearance in XXXX of XXXX. Since each semester is a separate loan, about ten different loans hit my credit report as late payments and 90 days past due. These marks killed my credit score and haven't held me back over the past several years. However, I haven't been able to get a car, purchase a home for my family, or get a credit card. I have proof from XXXX that my account was forbearance during the period when my credit report states I was late 90 days. Please let me get this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 certified letters to XXXX, XXXX, and transuion regarding the status of my XXXX XXXX XXXX. The account is marked closed when it should be reporting open and the account is reporting delinquent when the company deleted the delinquencies and also credited the account for {$280.00}, the correct amouth that should be reporting is {$510.00} not XXXX. XXXX, XXXX, and transuion is reporting inaccurate information regarding this account. This is a violation of the FCRA law.
Product: Debt collection

Yesterday I received a call from XXXX at XXXX stating that my name was part of a complaint filed and I would be getting served. I needed to make available someone willing to sign some documents on my behalf. She said she was with a law firm. 
I called back and spoke to XXXX. She said I was being sued by check into cash for {$220.00}. Docket number XXXX. 
I told her I paid this debt last year/early this year. She stated I needed the letter. I told her to give me some time to pull my bank statements but that I never received the letter. 
I pulled up my records ( written and bank ) and saw where I paid {$100.00} every 2 weeks to XXXX XXXX XXXX. With the final payment of {$110.00} being paid on XXXX XXXX, 2015. I spoke to XXXX about this transaction. The number on my statement is XXXX. 
This morning I tried to call XXXX and no numbers work so obviously, I believe I have been scammed. 
I called XXXX this morning to ask her the name of her firm. She said XXXX Law. I asked if she could tell me the court the summons was filed in. She could not. I asked her who the process server is, she could not tell me. Her ext. Is XXXX. 
She asked for my email and said she would look into it. I gave her an email I do n't use. 
Now, I have to research XXXX and XXXX and hopefully can recoup my monies if I was scammed. 
Please look into both companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft report with the FTC. I have made repeated attempts to have this information deleted from my profile which was not authorized. No one is helping me and no one has communicated back to me after over XXXX attempts.