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

There seems to be a practice among credit card grantors specifically XXXX XXXX  and Comenity Bank in which they appear to be reviewing customers accounts and if their credit score is lower than when they first got approved, the Banks are just closing customers ' accounts and saying it is due to a report received from the credit bureau as if the customer 's credit is bad. I believe this practice is unfair especially if the customer 's account is in good standing with the credit bureaus! like mine!

Within the last 120 days this happen to me twice. ComenityXXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/2021 and just recently XXXX XXXX XX/XX/2021. I just happen to get a credit alert from XXXX XXXX today XX/XX/2021 that my account with XXXX XXXX was closed. I got one on Comenity around XX/XX/2021. When I called to inquire as to why ( same with Comenity ) they refuse to reopen my account.

Both of my accounts were in good standing! I have a 15 page document detailing my interaction with Comenity that I have been dying to share online. With XXXX, I wasn't about to go through what I went through with Comenity. I simply told them I am going to file a complaint and sue them. I'm waiting on the same letter Comenity sent me which I received in the mail 3 weeks after my account was closed, ( See attached Letter and that information was not even correct with what the credit bureaus actually had ) telling me basically after doing a review of my account I was no longer credit worthy! XXXX is going to be sending me, I guarantee you the same bureaucratic letter that Comenity sent me. There was no warning nor notification from Comenity nor XXXX prior to closing my accounts. Creditors closing my account like this is affecting my credit and has caused my score to drop and they don't seem to care. 

THIS HAS TO STOP. They can't just do this to customers. I was about to make a purchase for my grandkids when I learned my accounts were closed. Do you have any idea how embarrassing and heartbreaking that is? And I didn't have another card available at the time to use. 

This will affect my ability to purchase a house and car which I was preparing to do within the next 45-60 days! Creditors closing my accounts looks like I did something wrong or that I am a credit risk! and I am not! 

If this has happened to anyone else, please report it and if you reported it before and nothing was done, report it again. This practice must stop! We must file a class action suit against these banks. These banks are the grantor of almost all the credit cards that are issued in the credit card industry. Go to these links and you will be shocked how many companies issue their credit cards through XXXX  and Comenity ; https : //comenity.com/search? XXXX % XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ; And this is how they treat their customers? It shouldn't be.
Product: Checking or savings account

On XX/XX/XXXX my workers compensation check for {$760.00} was eaten by the ATM at TD Bank at XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX. On that day I filed a dispute claim XXXX and was told that they would get back to me. Subsequently, I called and went to the bank because no one contacted me. I was shocked when I received a letter declining my claim. I got in contact with the bank and personally inquire about this denial of my claim. On XX/XX/XXXX, spoke to a bank manager and was given the same line, that she would contact the right party and that she recalled this episode with my missing check deposit. No one got back to me and so I called, but was told that the people responsible for responding to my inquiry had not replied. Today I have yet to receive an answer to the disappearance of my check. Thank you for investigating this for me.
Product: Credit reporting or other personal consumer reports

You deleted 5 XXXX credit cards and added them back and deleted 1 XXXX XXXX XXXXXXXX card and added it back! Why? This is illegal! These are identity theft fraudulent applications! I demand you remove them permanently and do NOT add them back. If you do not permanently remove them and if you ever add them back I will pursue legal action. 

Do NOT mark this case as duplicate as this is not! You failed to remove information and I need it removed per FCRA Section 611 you must permanently delete everything that is identity theft. I read your response and it is inaccurate. I still see 5 XXXX / XXXX / XXXX credit cards ( one listed as other ending in XXXX one is listed as ending in XXXX one is listed as ending in XXXX and one is listed as ending in XXXX and one is listed as ending in XXXX ) on my account and I still see 1 XXXX XXXX XXXXXXXX or XXXX credit card ( ending in XXXX ) reporting on my account and I still see 6 XXXX / XXXX / XXXX hard inquiries reporting on my account and I still see 2 wrong addresses ( XXXXXXXX XXXX  and XXXX XXXX ) reporting on my account. These are all fraudulent due to identity theft and Must be deleted immediately! You also keep adding these items back and these are fraudulent identity theft and this needs to stop. 

Per FCRA Section 611 you must delete these items permanently immediately as they are identity theft fraud. I will pursue legal action if you do not permanently delete them and if you ever add them back. 

Again I will repeat : You are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. However the hear fraudulent inquiries and credit cards were added back to my credit reports fraudulently. 

These credit cards and hard inqiruies need to be removed immediately and NOT added back : Credit cards to be deleted permanently and never added back All of XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXXXXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. Inquiries to be deleted permanently and never added back : All of XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end. Again this is identity theft and by law you are required to delete all of them and required to reach out to the banks and companies to delete them and required to reach out to all other primary and secondary credit bureaus to delete them. This must happen immediately. Please do not add these items back again! If you do not permanently delete them and if you add them back, I will pursue legal action.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the process of cancelling and deleting my Experian account. On several occasions, I have attempted to navigate your website with the intention of permanently cancelling my account and ensuring that all of my personal information is removed from your systems. Unfortunately, the absence of a clear and functional 'Cancel Account ' or 'Delete Account ' option on XXXX has made this a frustrating and time-consuming ordeal. 

In my attempts to resolve this matter, I have utilized your customer service phone system. While I was given a confirmation number through the automated service, there has been no follow-up communication or indication that my account has been terminated and my data expunged as per my request. The issuance of a confirmation number, without any real confirmation of action taken, is not only ineffective but also causes concern regarding how my sensitive information is being handled. 

Given the sensitivity of the data you possess and the implications for my personal privacy and financial security, this matter should be treated with the utmost urgency. I expect a service that allows individuals to have control over their personal information, including the ability to easily discontinue and completely delete their account when they choose to do so.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT WAS CLOSED DUE TO FRAUD/IDENTITY THEFT AND NEEDS TO BE DELETED FROM MY CREDIT REPORT

XXXX XXXX Acct Number XXXX XXXX Date Closed XXXX XXXX XXXX  
THE ACCOUNT SHOULD NOT STILL BE REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORT ex...late payments, charge-offs, collections etc...
Product: Mortgage

Re : Loan ID XXXX On XX/XX/XXXX I checked the XXXX online portal and it shows that there is currently a balance of {$1000.00} in the escrow account. 
I am not understanding this figure because on XX/XX/XXXX, NewRez disbursed {$6600.00} for Insurance Premium from the escrow account. My current insurance company refunded {$3600.00} to NewRez on XX/XX/XXXX. 
I made mortgage payments ( {$2000.00} ) for XXXX and XX/XX/XXXX, respectively. 
{$940.00} from each payment in XXXX was allotted to " escrow ''. 
How is it possible that only {$1000.00} remains in escrow? 
NewRez also indicates that I owe {$130.00} towards Mortgage Insurance. I disagree. 

It has always been very difficult trying to get to or communicate with NewRez. My calls are usually transferred between different departments. 

I am currently trying to separate myself from NewRez but there are unexplained delays. They have been tardy in sending a payoff request to my proposed refinance lender. During which time they sent me a counter offer. That looks suspicious to me.
Product: Debt collection

My husband was at our place of employment when someone called for me. The receptionist answered the call and someone asked for me. She said I was n't available and asked what this was in regards to and the man said business. My husband traced the phone number off the caller ID and it was from Kansas. Speedy Cash is from Kansas and I did have an account with them. I asked them not to contact my employer and they still did.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Ch XXXX was filed in XXXX and paid in full and discharged in XXXX. It shows discharged with the 3 CRA 's. Asking for the information to be Early Exclusion. XXXX removed it from my credit report last year and here 's the Company 's Response Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 
We have reviewed and considered the information, including the four attachments, you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicate that there is a bankruptcy on your report as a result of fraud. You stated that you have asked how the bankruptcy was verified and have gotten no answer. You stated that the court does not verify any information. You would like the account deleted from your report. Per your request to conduct an investigation, we contacted the public record vendor to verify the accuracy of the information with which you disagree. The bankruptcy has been deleted as a result of our processing of your disputes. A summary of your results was forwarded to you on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX   XXXX, XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX   XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

complaint # XXXX The company has not responded to the above complaint but continues to send bills, noting first/second notification on the bill as a bully tactic.
Product: Debt collection

This account was opened through a friend of a old friend it was made without me consent. That person was friends with someone at XXXX the person who opened this account use to live with me and used my info. To continue the contract after I cancelled it months after opening it.
Product: Other financial service

On XXXX/XXXX/16, I purchased XXXX moneygram money orders from Walmart on XXXX XXXX in XXXX, XXXX for {$1000.00} each ( Money Order # 's : XXXX & XXXX ). After purchasing the money orders, I scanned both money orders to my XXXX XXXX XXXX account. I then tore the money orders up and discarded them at money services area at that Walmart ( A requirement that my bank XXXX requires ). In XXXX of this year ( 2016 ), XXXX pulled both of the {$1000.00} deposits for each money order from my account, stating that they had been contacted by MoneyGram stating that someone has deposited the physical money orders into an account at XXXX XXXX XXXX on XXXX/XXXX/16 and that MoneyGram would be pulling the funds from XXXX. I contacted XXXX XXXX XXXX and they informed me that a claim would have to be filed through MoneyGram to recover my funds. I contacted moneygram about this situation and on XXXX XXXX XXXX, I was contacted by XXXX XXXX XXXX of Monergram 's Resolution Assurance Dept ( XXXX ) who informed me that a credit had been issued by MoneyGram on XXXX/XXXX/16 for each money order and that my bank ( XXXX ) would need to contact the Federal Reserve and provide these reference numbers : XXXX - XXXX ref # XXXX on XXXX/XXXX/16 ; XXXX - XXXX ref # XXXX on XXXX/XXXX/16. XXXX contacted the Federal Reserve on XXXX XXXX XXXX and was informed that no funds were tied to these reference numbers and that the reference numbers provided were from the initial correspondence with XXXX XXXX XXXX and MoneyGram. This has been a very long and aggravating process that I would like to get resolved as soon as possible. I contacted XXXX and asked how could this happen when I endorsed each money order on the back by signing each of them with my name, and putting for deposit only, XXXX XXXX XXXX Bank ( see attached money orders that I had to pay moneygram {$24.00} each to get a copy of ). I also informed XXXX that I had never banked at XXXX XXXX XXXX, I knew no one that did and that this was a fraudulent case. MoneyGram provided a case number ( Case # : XXXX ) were they stated they opened up a claim of endorsement not as strong with XXXX XXXX XXXX ; a but to this date ( XXXX/XXXX/16 ), no resolution has occurred and I have not received my money back.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a concerning and ongoing matter involving XXXX XXXX The essence of this complaint pertains to the violation of my consumer rights and fair lending practices, as well as the mishandling of a billing dispute, which has had a detrimental impact on my financial well-being. 

On XX/XX/XXXX, I received a notice from XXXXXXXX XXXX, notifying me that my credit card account, ending in XXXX, was past due by {$30.00}. This notification was both shocking and perplexing, as I possess substantial evidence demonstrating the absence of any overdue payment on my part. 

This dispute originated from a billing error resolution case that dates to XX/XX/XXXX. Since then, the situation has escalated, culminating in my case being elevated to the office of the president at XXXXXXXX XXXX. However, despite my concerted efforts to rectify the situation and provide evidence supporting my position, I find myself unfairly targeted. 

In response to this situation, I have not conducted any transactions on my credit card account since XX/XX/XXXX. Subsequently, when I initiated a fraud claim, XXXX XXXX  deactivated Card ending XXXX, which was originally associated with the alleged debt. They then proceeded to issue a different card, which I never received. Subsequently, they expedited the delivery of Card Number : XXXX, a card that remains inactivated due to the ongoing dispute.

My primary contention is that, under the Fair Credit Billing Act ( FCBA ), my rights have been systematically undermined. I initiated a dispute on XX/XX/XXXX, ( Case # : XXXX ), asserting that the entire balance is erroneous and should be disputed. In adherence to the FCBA, XXXXXXXX XXXX was required to provide provisional credits. Regrettably, they did not do so. Instead, they intermittently provided and subsequently removed these credits, which contravenes the requirement stipulated in Section 1026.13 of the FCBA. This section necessitates the completion of the dispute settlement within 90 days, and creditors are prohibited from attempting to collect any disputed amount beyond this period. 

Furthermore, my credit score has been adversely affected due to XXXX XXXXXXXX XXXX actions, resulting in a drop of XXXX points. This stems from their unjust reduction of my credit limit from {$1500.00} to {$300.00} amid a heightened dispute, a measure I deem punitive and in violation of our contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2019 ), Equifax has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see the items below : PUBLIC FILINGS XXXX RECORDER OF DEEDS {$3800.00} not mine
Product: Debt collection

Credits Incorporated sent me a letter stating that I owed a debt to XXXX XXXX XXXX. I had seen a physician at XXXX XXXX for a XXXX XXXX, that later became XXXX XXXX XXXX. I called and stated I had never gotten a bill, and it was unusual that I would receive a bill from a provider I had seen a year ago. The told me it was for a XXXX XXXX. Also weird, as I have never had a XXXX XXXX through XXXX. I called XXXX XXXX XXXX. They said I had no outstanding balance, and had never submitted a claim to Credits incoporated. I called the XXXX XXXX XXXX XXXX XXXX, who also said I had no bill or balance and they had not sent a claim to Credit Incorporated. I called Credits incorporated and left several messages that they have a false claim under my name.
Product: Student loan

I cosigned a loan with my daughter. We signed up for a fixed rate, we never signed any document that stated the loan was an adjustable rate and were given an adjustable rate. I only found out after several payments were made. Sallie Mae 's response was that it is too late. I asked for documentation showing that I agreed to an adjustable rate. 

There is no signature on a paper that I agreed to a variable interest rate. They failed to provide any form that includes a rate with a signature. 

This clearly a case of bait and switch. I agreed to a fixed rate, they assigned a variable rate after the loan signature. 

Thank You for looking into this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

PHH took out an LBI policy (lender Based Insurance) home owners insurance policy even though I/we have our own home owners policy.  Their action has caused our mortgage payment escrow amount to increase.  WE DO NOT OWE ADDITIONAL MONIES PER MONTH TO THE ESCROW ACCOUNT FOR HOME OWNERS INSURANCE!  WE HAVE OUR OWN POLICY WE PAY SEPARATELY!  We have on two separate occasions submitted proof of insurance.  They did not do their due diligence when merging certain department with a company called XXXX XXXX XXXX to verify ownership of separate homeowners insurance policies in our history dating back to prior to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with the same address. They stated they had a different address while all along had they done their due diligence they would have seen both addresses same loan number and documents corresponding to the same address as the insurance declaration proof of insurance.Since XX/XX/XXXX we have been trying to correct THEIR mistake via the phone. Numerous calls.  Most recently PHH has placed a derogatory report on our credit.  This has adversely affected our credit and our ability to get credit.
Product: Checking or savings account

I have several issues with Bank of America. The first is how long it takes them to handle simple disputes. The delay is solving has caused my accounts to be in a negative light. I have filled a recent dispute that should have been resolved in no more than XXXX business days. BOA is telling me that it could take up to 90 days and that is awful for a banking institution. The event in which I am expecting a refund for takes place in now XXXX week. This sickings me because I spent over {$570.00} for tickets and I really can't afford this type of loss. Other banks take XXXX business days to resolve BOA has had that XXXX XXXX already. Provisional credit for half the amount is unprofssional. Provisional credit and not full decision made is unacceptable. The event that I am disputing has changed without my permission, I agreed to the event on that date that was promoted NOT six months later during a holliday month on a date Im expected to work. I do not wish to travel during the month of XXXX I did not agree to an event that takes place at this time. Also their is poor sales on event that has caused ticket salers to sell tickets for XXXX percent less then what I previously paid for the tickets. 

XXXX. Issue is with the lates fee to my credit card, the app will make it seem as though the payment went through sucessfull however days later you learn you didnt pay at all and now have a fee... Well the chat implied that if I made a double payment bringing the account current he would reverse the fee. I paid than received an email stating the fee would not be reversed. 

#. The are charging overdraft fees to one of my accounts that is not set up to go into overdraft, also if BOA release my funds within reason I wouldn't be in position to receive overdrafts.