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

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX  or XXXX  ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

List Name of the accounts with high Utilizations along with their account numbers. 
JPMCB XXXX XXXX  Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( JPMCB, AND XXXX XXXX ) Making the report is NOT INCLUDED on my Consumer report! 
Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ JPMCB, AND XXXX XXXX ] that is making the report. CONGRESS clearly states that the experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s JPMCB XXXX XXXX Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name XXXX XXXX
Product: Debt collection

I looked at my report in XXXX and noticed some things are incorrect and inaccurate, and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Tha account Wakefield & Associates Acct # XXXX is not complete and accurate. 

And XXXX more thing according to 15 USC 1681s-2 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. 
42 USC Code 1320d-6- This section of the United States Code addresses violations of the Health Insurance Portability and Accountability Act ( XXXX ) Privacy Rule. While the specific violation may vary depending on the nature of the dispute, it is clear that Wakefield & Associates LLC has not maintained the required standards of privacy and data security.
Product: Debt collection

They have called from personal cell   XXXX .phone numbers called multiple times in a day called my work number after being told not to call Phone logs available. Sent there vice VP into my work even after being told not to call making field visits to  my office! Leaving detailed messages on the voicemail. Voicemails also have been saved.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  XXXX XXXX, AL XXXX XXXX  XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX  XXXX Balance : {$960.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX  XXXX  XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have disuputed this inaccurate information that is reporting on my credit file several times. Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX/XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXXXXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

It is deeply concerning to me that Bank of America is using their enormous market power to discriminate against customers based on lawful firearm-related business activities. These decisions are clearly political statements and not business decisions based on financial unsoundness or criminal activity of their customers. As a BofA credit card holder I am concerned they will soon increase their anti-2nd Amendment attack and prevent me from using my credit in a lawful purchase of firearms or gun related accessories or question my ownership of firearms when seeking a home or automobile loan. As a BofA customer and an average American that will need credit on and off throughout my life I am deeply concerned banks and antigun advocacy groups will collude to deny needed services in an effort to dictate social policy. Its appalling that lawful citizens and businesses are treated this way after bailing out these financial institutions with billons in taxpayer dollars. BofAs new firearm policy infringes and discriminates against an individuals Second Amendment rights and should not be tolerated by our government. When private businesses replace legislators and policymakers and attempt to manage social policy by limiting access to credit they should be held accountable for their antigun discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

filed an complaint with CFPB in XX/XX/XXXX, Complaint # XXXX against XXXX XXXX XXXX, On XX/XX/XXXX I received an response from XXXX XXXX XXXX via CFPB, stating that all three credit companies would be updated to " Paid in full '' and never late. I applied for a credit card today and learn that their is still a charge off on my credit reporting from XXXX XXXX XXXX. I had spoken to a manager with XXXX XXXX XXXX in XX/XX/XXXX and made them aware that the information had not been removed for my credit and was informed that it was removed. I spoke with XXXX today XX/XX/XXXX and was informed that the charge off is still reporting and an additional inquiry was added to my credit from XXXX XXXX XXXX, which they were not authorize to place an inquiry on my credit. 

I have attached a copy of the first and second response from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible I the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for removal they also violated my rights under 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 : is also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX, XXXX, MA XXXX Available Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX, XXXX, CA XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  ; XXXX XXXX XXXX, XXXX, PA Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX  ; XXXX XXXX XXXX, XXXX, VA XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX  ; XXXX XXXX XXXX, XXXX, MD XXXX Inquiry XXXX : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX  ; XXXX XXXX XXXX, XXXX, MD XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX Inquiry Date : XX/XX/XXXX XXXX  ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an accounts passed on that should be taken out or blocked. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have communicated with SWC XXXX several times via email and fax regarding XXXX frivolous account that was placed on my credit report. I told them that I do not owe this balance and provided a receipt from XXXX, which state that the balance is {$0.00}. 
I request the account be remove from my credit report effective immediately and they fail to remove it.
Product: Credit reporting

There is an account ( XXXX ) listed on my consumer report as a derogatory account, that has been closed for 8 years, and all XXXX agencies refuse to delete the account.
Product: Credit card

I have a AAdavantage Aviator Red Mastercard with Barclays. On my XXXX XXXX XXXX billing statement, I was charged {$41.00} for interest. Per the statement, my previous balance as of XXXX was {$1900.00}, Per the statement, I made payments of $ {$1800.00} leaving a balance of {$100.00}. As a result, I was charged interest of {$41.00} which is approximately 37.97 %. This is significantly higher than the credit card terms.

On my XXXX XXXX XXXX credit card statement, I was charged {$47.00} for interest. Per the statement, my previous balance was {$3600.00}. Per the statement, I made payments of {$6500.00} or {$2900.00} MORE than the outstanding balance but, was still charged interest. 

In speaking with the Barclays representative, I was informed that interest begins accruing as soon as I make a payment. Specifically, since I make small payments multiple times up until the Due Date, interest began accruing as soon a s I made a small payment towards the outstanding balance. Based on the explanation which I confirmed with the representative, as an example, if I had a balance of {$10000.00} and I made a payment of {$5.00} immediately upon receiving the statement, interest would begin accruing on the remaining {$9900.00} even though I still have 22 days left before the due date. This clearly does not make any sense. 

Based on the representative 's explanation, if I make a payment on the first day of the 22 days prior to the due date, interest begins accruing on that day regardless of whether or not I've paid a significant portion of the balance before the due date.. However, if I wait until the actual due date, interest does not begin acrrueing until that date. 

So, based on the explanation, my XXXX XXXX XXXXXX/XX/year> statement continued to accrue interest despite the fact that I paid {$2900.00} more than the balance. 

There are clearly issues with the method in which Barclays is charging interest to customers. As stated above, a {$100.00} balance was charged {$41.00} in interest and the following month, I was charged {$47.00} interest even though the entire balance and more was paid.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below, and even though I had talked to representatives last month when the errors occurred. The rep of Toyota told me last month that they will remove the late mark on my credit due to internal errors and only to find out that this month they applied the payment wrong again. 

LATE MARK ON : XX/XX/XXXX & XX/XX/2018. 

I am not sure how this happened, I believe that I had made my payments correctly to you when I received my statements.
Product: Credit card

I have phoned the credit card company on 4 separate occasions over the past 3 months. I was given a different phone number to call by their representative for opting out which closes my account. I tried several timesyesterday being the most recent. It is fully automated. After putting in all information asked, it says there was an error try later and disconnects. Yesterday I tried 3 times to no avail. As they do this, they keep adding fees to my account and report me to the credit agencies.
Product: Checking or savings account

I deposited 2 checks for {$3000.00} each, for a total of {$6000.00} Via the Chase XXXX XXXX on XX/XX/2021, the funds cleared the issuing bank on XX/XX/2021 On XX/XX/XXXX, Chase bank closed the account at their institution, with no reason or notice given, and returned the funds in the account, minus the {$6000.00} in the form of a cashiers check. upon numerous calls, lasting for hours of hold, call back and repeatedly trying to resolve this issue, at the branch and on the phone. Branch manager tells me i need to talk to Loss prevention, and gives me a number to call, that numbers has a hold time over 2 hours. when you do reach someone the tell you you need to resolve in a branch. I have been to 3 branches and wailed on hold for over 10 cumulative hours, and get conflicting information on how to receive my funds. as of the writing of this complaint, i have been hung up on no les than 6 times while holding to speak to someone about this.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have applied for a loan with PNC Bank on several occasions each time being denied. In XXXX I filed for XXXX, the process took XXXX  months and part of my approval was that they eliminated all back pay a {$30000.00} which I was hoping for to pay back the people who helped me through that, I am doing the best I can at that. I am ill and could not work so a credit card for {$1200.00}, and a cable bill for {$310.00} went to collections, I just didn't have any income but I had no other bills at the time either. That scenario dropped my credit score to XXXX, in XXXX I began receiving my XXXX  XXXX, I immediately contacted the XXXX  XXXX and even though the account was closed they allowed me to set up a payment plan and I paid it back in full, I also called the cable bill holder and made the lump sum of {$310.00} and it is paid off in full, since XX/XX/XXXX I have raised my score to XXXX and have made all payments on time yet I have been denied for serious delinquency too many applications in to short of a time ( I need a loan, of course I am going to apply ) I spoke with a loan officer who told me that the amount of {$5000.00} and my credit history made me much too big of a risk for them to take. So my complaint with that is, they have a disclaimer about the fair credit act and how they have strict rules of non-discrimination and maybe they do, they also say they are going to check your credit report and obviously they do but why is it that their denial is within XXXX seconds from submitting while your still on the site and there is a generated email sent out as well, that is a lot to do in XXXX seconds when considering a loan, making sure the person is eligible and adhere to the fair credit act and I am not exaggerating thew XXXX seconds, that is how fast i was declined several times with them. It's obvious that it's XXXX  XXXX  but that shouldn't be accepted if they are really trying to help people, they should at least look at the report to see that the companies removed those negative hits and understand that 22 months is a long time to not have a paycheck, I worked XXXX  years before getting XXXX, I've paid my taxes and adhered to the law my entire life, I think I deserve more than XXXX seconds from XXXX XXXX, this is the XXXX, XXXX XXXX that took over {$7.00} XXXX XXXX  in bailouts from my taxes yet they can not risk {$5000.00} on me with a XXXX XXXX XXXX? They needed {$7.00} XXXX to fix their financial misgivings and took money from me without permission and I am the RISK in this equation? They should be ashamed of that online process and I know they don't adhere to the fair credit act, not in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX XXXX which uses Comenity Bank to issue the card. My credit reporting history has not been updated since XXXX. I have called Comenity on numerous occasions asking if they can update my account. I keep getting the same answer about their system was changed recently and it should be updated in XXXX months. XXXX months has turned into XXXX months. All the while I have been making payments. My credit utilization, and payment history is not changing. I am tired of calling and getting the run around. Please help with this problem.
Product: Credit reporting or other personal consumer reports

When I investigated my XXXX report, I realized that some of the information was XXXX XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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: Mortgage

I received a letter on XX/XX/2018 ( dated XX/XX/XXXX ) from Franklin American Mortgage Company subject : Annual Escrow Account Disclosure Statement. Upon review, I noticed their calculation of anticipated annual disbursements was incorrect. They used the same amount for city tax as they did for county tax. In fact, the city tax was approximately {$2400.00} less than the figure they used to calculate a revised escrow payment. The incorrect escrow analysis resulted in a new Mortgage payment that was higher than it should have been. 

On XX/XX/XXXX I called Franklin American and spoke to customer service agent XXXX. He told me they would reassess on or about XX/XX/XXXX. On XX/XX/XXXX I fax 'd county and city tax documents to Franklin American as directed by XXXX. After XX/XX/XXXX, I called back and spoke to XXXX who told me there was still no change and to call back after XX/XX/XXXX, but hold making a mortgage payment till just prior to XX/XX/XXXX in case the monthly amount was reassessed. On XX/XX/XXXX I called and spoke to XXXX who told me to check back after XX/XX/XXXX. On XX/XX/XXXX I called and spoke to XXXX who told me an update had taken place on XX/XX/XXXX. They had received documents from the city of XXXX and it was now back in research. On XX/XX/XXXX I called and spoke to XXXX who informed me that the city tax number I had provided was accurate ( no kidding as I fax 'd that document on XX/XX/XXXX ). I asked to speak to a supervisor but was told that was not possible. She stated that a new escrow analysis would be done in XX/XX/XXXX and I would get a revised statement. She also said that my new monthly amount would be {$2600.00} and I would get a refund for any overpayments. I asked how the analysis could be done in only XXXX business days and how could she already have a revised mortgage payment if the analysis had not yet been completed. Her answers were unresponsive. Finally, on XX/XX/XXXX I spoke to XXXX and reviewed the entire litany of calls. He told me the statement had still not been updated. She would put in 2 tickets ; one, to update the escrow analysis and produce a revised mortgage statement and two, to have a supervisor call me. 

A few days later a call came from XXXX asking to speak to me. As I was on travel, my wife took her phone number and extension and told her I would return her call. I called on 2 different occasions, and left messages with all my contact numbers. On the third unsuccessful attempt to reach XXXX, I left a message stating that it was unnecessary to call me back as I was exploring legal action and filing a complaint with CFPB. 

As of XX/XX/XXXX, I have still not received any action from Franklin American Mortgage Company.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA has been incorrectly reporting the balance of a prior loan on my credit report. They have been reporting the incorrect amount owed. Plenty of notices have been sent to them to dispute this issue and they have still not corrected this. Reporting false information, which in this case is misrepresenting the amount owed on a loan, s a violation of FDCPA. Also, they translated that misinformation to a 1099-C. I have contacted them via phone several times but was placed on extended hold times and unable to reach a representative about correcting that issue.
Product: Mortgage

I had a 3 month covid Deferment with XXXX, XXXX and XXXX 2020 with BBVA compass bank that was bought last year with pnc bank. I am up to date on payments and no issues at this time. I need copy of my deferment agreement for a second mortgage with XXXX XXXX XXXX. XXXX XXXX XXXX  is requesting a copy of my deferment agreement, and I have for three weeks multiple calls to PNC bank that has bought BBVA compass have tried to get this document and they can not located it. I have talked to supervisor, escalated this matter. They simply can not locate it and are not willing to give me any documentation regarding this Deferment agreement other than my statements. XXXXXXXX XXXX XXXX says they need a deferment agreement and PNC is required under federal law to have a copy of it to send me. PNC is they lost a lot of documents during merger they are unable to locate it and unable to generate a new agreement. I really need help getting this document, and on line tons of similar complaints that have gone unresolved, so I am just super confused what to do next. All I need is my deferment agreement from PNC and they can't fine one to send me!