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

I am writing to formally file a complaint against COMENITYCB regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and CFPB regulations. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. My date of birth is XX/XX/year>, and my Social Security Number is XXXX. Upon reviewing my COMENITYCB credit report, I discovered several inaccuracies and fraudulent accounts. There are fraudulent accounts on my report, included in my credit reports. I did not open the account and was not informed about it beforehand, indicating it was established without my consent. I have already taken steps to address these issues by contacting COMENITYCB directly. I submitted a dispute and provided supporting documentation, such as drivers license, ssn card, proof of address and FTC report. Despite these efforts, the inaccuracies and fraudulent accounts have not been removed from my credit report, significantly impacting my creditworthiness and financial stability. I am requesting that the CFPB intervene to ensure that these inaccurate and fraudulent accounts are promptly removed from my COMENITYCB credit report. Additionally, I seek written confirmation from COMENITYCB once these accounts have been corrected. I also ask the CFPB to investigate COMENITYCB handling of my dispute and its adherence to FCRA and CFPB rules.
Product: Credit card

This is a follow-up on compliant XXXX. I do not agree with the company 's assessment. I received all of my historical statements from the company and made a spreadsheet of my own. 
I looked at all my payments and can not see a pattern or mathematical reason why some of my payments were applied to one balance at a certain % and another at a different %. It seems like the company wanted me to have a balance left for the highest amount charged for the promotion to charge me the highest interest. I am attaching my calculations derived from the statements the company sent me as evidence. Can they explain why the payments were applied in this manner? I have paid all of my balance cause I do not want to fight with this company as they will charge me 25-35 % interest on my balance even though I am disputing it. I feel like I was robbed. It is very disheartening as I can see how a household without means would struggle with this kind of treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against the credit agency Experian, directed to the department of special affairs, today, XX/XX/XXXX, XXXX XXXX, being on a call with this department and the agent who answered the call had a disrespectful, rude and used sarcastic words to mock me, I tried to tell her why she had that attitude towards me, and in a rude way she told me that I didn't have to tell her what she should do and that I was very aware of how things are done in her work, she went under threats with me. She told me that this account that you are disputing will never be eliminated until we and the credit agency decide, once she said that I decided to make this complaint because I feel that my identity and my credit is compromised with that agent and that department. The most threatening thing she told me was " we have to treat certain clients rudely, special clients like yourself. '' Never in my life has a credit agency mistreated me, I feel stressed, worried about this incident, in case the credit makes me nervous, this department treats me this way. I just ask that this conversation that I suppose has been recorded is supervised and that they take action on the matter, because I can also take legal action against Experian for damages. Whatever the situation, she did not have to speak to me in that tone and in that way, so disrespectful.
Product: Mortgage

Newrez sent me a letter on XXXX saying that my pmi cancellation was approved due to the XXXX that was recently done. The letter stated I would get an updated bill reflecting this change within XXXX weeks. 

I requested to have my escrow cancelled on XXXX and called in to make sure the process was moving for the pmi cancelation. I was told that the letter was attached to my account and the ticket was submitted. 

I called in on XXXX to check on the status of things. Nothing new. 

On XXXX I get a letter from newrez stating that the escrow cancelation is denied. " We are unable to remove escrow from the loan due to having ( PMI ) Private Mortgage Insurance. '' I called in on XXXX to challenege the denial of the escrow and was told that the PMI is still active and hasnt been removed. I requested the PMI be canceled again. The agent informed me the PMI cancelation has been approved but the pmi cancelation has not been implemented into the system. No agent before them submitted the request to have it removed, so they submitted the ticket to cancel the pmi again. 

I called in on XXXX, to get another copy of the PMI cancelation letter and see if the PMI is still active. It is still active. I requested the PMI be canceled again. The agent informed me the PMI cancelation has been approved but the cancelation pmi has not been implemented into the system. No agent before them submitted the request to have it removed, so they submitted the ticket to cancel the pmi again. 

XXXX I get my new statement due XXXX. The statement shows the same due amount for XXXX as it has been for this whole year. Therefore the PMI was not removed. I called in on XXXX to challenege the statement and ask them that the PMI is canceled why hasn't the total due changed. They informed me the PMI cancelation has been approved but the pmi cancelation has not been implemented into the system. No agent before them submitted the request to have it removed, so they submitted the ticket to cancel the pmi again. I requested the escrow be canceled again during this date. 

I called in on XXXX to check on the status of things. The agent informed me the PMI cancelation has been approved but the pmi cancelation has not been implemented into the system. No agent before them submitted the request to have it removed, so they submitted the ticket to cancel the pmi again. 

And they tell me it will be another up to XXXX business days before I will find the results of thier work.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Capital One is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Capital One the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, Capital One whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Capital One never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I am writing to request the removal of a late payment from my credit report. The account in question is XXXXXXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Product: Debt collection

CREDENCE RESOURCE MANAGEMENT at XXXX XXXX XXXX XXXX, XXXX TX XXXX. Has been sending me collection notices in the amount of {$310.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Debt collection

I have disputed the claims of this collection debt many times. I have no knowledge of any of these debt collection agencies. I have only ever received one attempt at them confirming a debt, but that was a only a mailing of a statement with my name printed on it. I have not once seen any physically signed contract or agreement that these accounts were/are owned by me. Some collection agencies even resell the debt to keep it alive and on your record ( falsely and illegally ).
Product: Credit card or prepaid card

Portfolio Recovery Associates LLC is in violation of Federal for purchasing debt illegally without consent of myself. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports both parties, XXXX and XXXX XXXX XXXX XXXX are in violation. 
This Federal law states No consent is Identity Theft In conclusion, under both Federal laws, this account must be removed PERMANENTLY from all credit bureaus. 
Thank you kindly for your immediate attention to this matter.
Product: Credit card or prepaid card

I contracted with the Bank of America for a credit card and was not given full disclosure which is a violation of Regulation Z of the TILA ( TRUTH IN LENDING ACT ). 
I authorized permission to representatives of the company to discharge the total amount of the debt in full pursuant to HJR 192 and Public Law 73-10 and was not given proper remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
Product: Vehicle loan or lease

Bridgecrest compant has charged me more in interest than whats required contractually. Every month I am to be charged between XXXX per month in interest. They have taking a fee of more then XXXX % in interest out of my monthly payment and refusing to correct the account. Resulting and a year of overpayment causing inflation and refused to refund the credit back to account. I have asked and emailed servel times to make adjustments I never missed a payment. Ive always paid more then required.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute and request enforcement of my legal rights in relation to inaccurate and unverified information on my credit report. The violations that I believe have occurred involve multiple creditors, as detailed below : DPT EDXXXX - Account Number : XXXX Violations : Inaccurate Reporting ( FCRA Section 1681e ( b ) ), False Updating ( FCRA Section 1681i ( a ) ), Unsubstantiated Late Payments DPT EDXXXX - Account Number : XXXX Violations : Inaccurate Reporting ( FCRA Section 1681e ( b ) ), False Updating ( FCRA Section 1681i ( a ) ), Unsubstantiated Late Payments CCB/MPRCC | XX/XX/XXXX - Account Number : N/A Violations : Unauthorized Inquiry, Lack of Verification, Refusal to Remove Suspected Fraudulent Inquiry The inaccuracies and unverified information on my credit report have had a profound impact on my financial standing and overall well-being. I have faced considerable emotional distress and financial setbacks due to these violations. I am sharing a personal story that demonstrates the gravity of the harm caused by these inaccuracies. 

Several years ago, I embarked on the journey of securing a mortgage to provide my family with our dream home. As a diligent and responsible individual, I was shocked to discover inaccurate late payment information on my credit report. Despite my best efforts to rectify the situation, the same errors persist, impeding my aspirations and causing immense frustration. The emotional toll of these inaccuracies has been overwhelming, and they have significantly disrupted my family 's future plans. 

I implore the Consumer Financial Protection Bureau to uphold my legal rights under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. The violations committed by the creditors have not only inflicted financial harm but also deep emotional distress. I respectfully request the following actions : Conduct a thorough investigation into the inaccuracies and unverified information associated with the specified account numbers, as detailed above.

Enforce the pertinent provisions of the FCRA, such as Section 1681e ( b ) and Section 1681i ( a ), to ensure accurate reporting and timely correction of errors by the creditors. 
Facilitate the removal of unverified accounts from my credit report to restore my financial reputation and provide an equitable evaluation of my creditworthiness. 
I sincerely hope that the Consumer Financial Protection Bureau recognizes the significance of safeguarding consumers from such violations and ensuring their rights are upheld. The journey to address these issues has been laden with challenges, emotional strain, and frustration. By taking decisive action, you can contribute to rectifying my financial well-being and offering resolution to the distress I have experienced. 

Thank you for your consideration of this matter. I eagerly await your response and the resolution of these disputes. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint agains Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. section 1681i, which mandates a reasonable investigation of dispute. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C section section 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 'S recent administrative proceeding ( file No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with the federal law and provides consumers with the necessary proof of investigation.Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed account, as Experian 's inaction violates federal law and my rights as a consumer. 
The accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX
Product: Checking or savings account

I used Citibank mobile app to transfer {$300.00} from my checking account to my credit card account. After I tried to complete the transaction the system said they were having technical issues and to try again. After 2 attempts I checked and all 3 went thru. I immediately called the bank and they told me I could get the money transferred back in 5 business days after it posts. Their mobile app is a joke. You can't cancel future transfers or reverse their errors. This is the 2nd time this has happened to me.
Product: Credit card or prepaid card

I am at high risk for COVID-19 for health reasons so I can not go to court but I was sent a summary judgement. 
I believe in justice and the way I am being treated is not justice. The Plaintiff will automatically win because I am following NC Governor XXXX Safe at Home order. 
This stronghold and unfairness treatment for me and my well being is suspect at best. I am being set up to fail and not be heard. I do not have a job which is why I am behind on bills. I do not have a residence but live with a friend. I have no possessions. I told the creditors lawyers this but Glasser and Glasser has made it a mission to harass me and go around the law to win their motions. 
I need this summary hearing postponed. 

XXXX XXXX XXXX File no : XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX
Product: Credit card or prepaid card

THIS IS NOT A DUPLICATE COMPLAINT So synchrony needs to step forward and look into this issue. 

This company keeps telling me to re-apply but i keep getting denied for various reasons. 

I am ready to go to the state attorney and file discrimination charges, This bank tells you top apply then denies you for various reasons. 

Enclosed various denials from the same company So which one is it? 

1. No history of credit ( lol ) 2. Too much credit 3. You can't verify me 4. I closed accounts with you 5. You closed accounts on me 6. You can't verify my identifications even though it has been sent to you several times So tell me which XXXX excuse is it?
Product: Mortgage

I AM CALLING FOR A THOROUGH CHECK WITH BANK OF AMERICA AND A TITLE COMPANY NAMED : XXXX XXXX XXXX XXXX XXXX. THERE IS A COVER UP!! 
IN XXXX, MY EX HUSBAND DEFRAUDED BY TAKING A {$150000.00} HOME EQUITY LOAN ON MY HOUSE. AT THE TIME OF THE DISBURSEMENTS, I WAS IN THE HOSPITAL GOING THROUGH PAIN AS I WAS IN A BAD ACCIDENT. THIS ACCIDENT OCCURRED ON XXXX XXXXXXXX  MAN STOLE MY IDENTITY WHICH INCLUDED MY SOCIAL SECURITY NUMBER, MY DATE OF BIRTH AND OTHER PERTINENT INFORMATION ABOUT ME. 
I HAVE THE LOAN AMOUNT IN XXXX, WHICH ACCORDING TO MORTGAGE REGISTRATION SYSTEM, BANK OF AMERICA WAS THE INVESTOR. I MADE A PRIOR REPORT AND BANK OF AMERICA INFORMED ME THAT THEY WERE ABLE TO FIND 2 ACCOUNT NUMBERS ENDING IN XXXX AND XXXX. ONLY ONE ACCOUNT WAS SEEN. WHAT HAPPENED TO THE OTHER ONE? WHAT HAPPENED TO THE {$150000.00} EQUITY DISBURSED IN 2006? 
I AM IMPLORING YOU TO PLEASE ASK BANK OF AMERICA TO RELEASE ALL THE DOCUMENTS PERTAINING TO THESE TWO ACCOUNTS.IF IT WAS ARCHIVED, THEY CAN GO BACK AND GET THEM. 
I HAVE PROOF THAT {$150000.00} WAS ADDED TO MY MORTGAGE AND I WAS NOT THE ONE WHO TOOK IT. 
WHY IS BANK OF AMERICA TRYING TO COVER UP ON THEIR BAD INVESTMENT? 
ALL I AM ASKING FOR IS WHO THE CHECK WAS PAID OUT TO, WHAT BANK IT WAS TRANSFERRED TO IF IT WAS ACH AND WHO TOOK THE MONEY. 

I CONTACTED BANK OF AMERICA TO INQUIRE AS TO HOW THE CHECK WAS DISBURSED THEY CAME UP WITH STORIES. 
PLEASE ASSIST ME. I NEED THIS {$150000.00} OUT OF MY MORTGAGE!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/17 i Transfer {$1800.00} from my wells fargo checking account using XXXX. 
I add the recepient email address to send him the funds. 
The recepient receive the email confirmation that the funds where on its way but they never arrived and the curios things is that the email he received say that the funds where going to a different bank and to a different name. 
As soon as this happened that same day we contact wells fargo over the phone and also in person, they open a claim at the branch and one claim over the phone. 
After a couple of weeks i got a letter that there is nothing they can do because the funds went into someones account and the bank that receive it ( XXXX ) cant cooperate on providing information on the person who receive the funds. 
After this first claim i tried 3 more times opening new claims, and the answer was always the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has gave false scores to everyone in which has made me and millions of others have to pay higher interest rates and payments which means XXXX didnt exercise there grave responsibility to my consumer report. XXXX was completely unfair, Partial, and did not respect my right to privacy. Pursuant to 15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates As i never instructed XXXX XXXX writing to furnish this report and never consented to this report of DISCOVER BANK ACCOUNT NUMBER : XXXX as well as DISCOVER BANK INQUIRY ON XX/XX/XXXX in the first place as well as pursuant to 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. So XXXX just assumed that XXXX they could report this and XXXX never had my permission and stole my identity to report on my behalf.. As stated on the back of all billing statements from XX/XX/XXXX to XX/XX/XXXX, Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of {$1.00} or more after 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page XXXX of your billing statement. Which correlates directly with 12 C.F.R. 1026.11 ( a ) as well as proof that {$4300.00} was the total amount of money I was owed since such amounts were on my billing statements every month. So I was owed this amount as these amounts where owed to me and was credited to my account in which DISCOVER has been falsely reporting with XXXX.