23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for the Apple Credit Card on XX/XX/year> because they have a program to buy a computer on monthly installments for 0 % interest if you have the card. I was approved for a credit limit of {$4500.00}. On XX/XX/year>, I went to purchase the computer online using the installment plan, and the transaction was declined. I tried once more on a different device, and it was declined again. I contacted Goldman Sachs ( the bank that oversees the Apple Card ) and was told I would need to buy the computer flat out with the Apple Card ( which, according to the Cardholder Agreement, would subject me to the interest rate of 27+ % ), then they would convert it to an installment plan with 0 % interest. I shared I am not comfortable with that as a resolution because they are only communicating this verbally and that does not line up with the written agreements of Goldman Sachs nor the written policies of Apple. They shared that if I did this process, I would not be able to make payments in advance. They shared they can escalate it to Tier 3 support, but the resolution would take several days.
Product: Mortgage

We fell behind on our payments due to a reduction in income and I contacted Wells Fargo for help. On XX/XX/XXXX I submitted a loan modification application for consideration. On XX/XX/XXXX we received notice ( Exhibit A ) that it had been approved under The FHA HAMP program. We made all 3 trial period payments ( Exhibit B ). XX/XX/XXXX I was asked to add XXXX name to the deed as only mine was on it. I hired an attorney and this was done and sent to Wells Fargo ( Exhibit C ). I was then asked to submit proof of residency for XXXX which was also sent to Wells ( Exhibit D ). After submitting everything that was asked for, we received a denial of the modification because they could not verify that XXXX resides in the property ( Exhibit E ). 
I maintain that we have met the burden of proof for residency requirements and made all 3 trial period payments under the FHA HAMP Guidelines.
Product: Mortgage

BBVA Compass - I have called them XXXX times in last XXXX mo 's to get my payments to them on time. They start then stop sending me paper statements. They do not post my payments as I instruct them too. Their customer service is horrible with long phone wait times, disconnects, and lying to me about submitting my requests. I am sending in additional money to pay this XXXX yr. note off faster. They refuse to refinance me at lower rates, due to a XXXX year old bankruptcy, They put my loan in there bankruptcy dept. Which it never should have been. I can not determine if the additional principal I send them is being applied. I can not get there representatives to explain it to me as well. Every month it is a different problem. Now they say there is a XXXX $ fee for submitting payment over the phone. 
When I complained - they said " oh your right - there is no charge ''. I have XXXX years to go on this loan, but do n't know what I owe or when it is being corrected as far as the Additional principal is concerned.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX XXXX XXXX  XX/XX/year> under the account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned account or hard inquiries as reported. The aforementioned account, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my documentation to Equifax asking to verify the accounts reporting negative on my credit report. They keep telling me that the information is verified but they have NOT provided PROOF by way of documentation and/or my signature on contract to show that this is actually my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Product: Vehicle loan or lease

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit card or prepaid card

This complaint against Comenity Bank ( who now think they can distance themselves from their massive issues by changing their name to Bread XXXX ) is due to the fact that even though I paid all the valid charges of this account and shut off the cards associated with it, they are holding my bank account information hostage in their system. I am unable to delete my bank account information because they have posted fraudulent pending charges from XX/XX/XXXX XXXX  and XX/XX/ for over {$8000.00}. These are charges that were already been paid on time and in full. I contacted them several times by phone and through their message system, since the beginning of XXXX XXXX Their agent XXXX, promised that these fraudulent charges, that suddenly reappeared in my account, would be removed within two days ( that date of removal would be XX/XX/ ). As of today, the fraudulent charges remain stuck in pending and have not been removed. Because they will not correct this, it is preventing me from deleting my bank account information from their system. I am not leaving my account with my current bank account information in it for them to steal my money. 

Since their IT upgrade in XXXX XXXX their systems are a train wreck and they have continued to compound the problems by falsely promising resolutions within two business days and fail to do anything to resolve these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020..applied for XXXX credit card I was denied approval due to not enough revolving Accts etc..But DENIAL ALSO STATED LIEN. Didnt say from what company, where, when. this decision was based on XXXX, XXXX, Equifax  report. 
By law Liens are not to be disclosed on a credit report or a decision for credit approval. I have searched all State, Govt sites and find no Liens under my name.
Product: Debt collection

Under the Laws of the FDCPA, I have previously sent XXXX XXXX a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges they claim I owe them. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I enclose copies of my requests to XXXX XXXX, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request to XXXX, XXXX XXXX and XXXX. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XX/XX/year> BRIDGECREST XXXX XXXX XXXX XXXX, AZ XXXX XXXX Re : Cease Communication Request for Account Number XXXX To Whom It May Concern, I am writing regarding the above-referenced account. Pursuant to XXXX XXXX. XXXX of the Fair Debt Collection Practices Act ( FDCPA ), I formally request that you cease all communication with me regarding this debt. 

Under the FDCPA, you are prohibited from contacting me in any way other than to : XXXX. Confirm that no further contact will be made, or XXXX. Notify me of any specific legal action you intend to take. 

Please note that you are also prohibited from contacting me at my workplace, and you must not discuss this debt with any third parties, except as allowed under the FDCPA. 

Additionally, if you intend to take any legal or collection-related actions, I request full documentation to validate the debt as required under XXXX XXXX XXXX XXXX XXXX XXXX, including but not limited to : Proof that I owe the debt. 
An itemized breakdown of the debt amount. 
Proof that you have the legal authority to collect this debt. 

Failure to comply with my request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or my states attorney general. Furthermore, I reserve the right to take legal action against your company for violations of the FDCPA. 

Please confirm in writing that you have received and will comply with this request. 

Sincerely, XXXX XXXX
Product: Debt collection

EOS CCA contacted me via phone towards the end of XXXX 2016 claiming to have a debt from XXXX XXXX. They asked for my full social security number, which I refused them. They asked for the rest of my information, and after I asked them what they had on record discovered that all of their information was false. 

Nonetheless, I asked them to validate the debt and I gave them my mailing address to continue to correspond. They sent a letter XXXX 2016 that did not contain any validation, only a request for payment. I responded to this with a Request for Validation letter sent via certified mail, return receipt. 

This letter was not responded to. I contacted XXXX to verify the debt, and they had no information about it. 

Less than 30 days later I discover a claim on my Credit Report, and my credit score was damaged.
Product: Credit reporting or other personal consumer reports

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2022. Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX "
Product: Credit reporting, credit repair services, 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 a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$1100.00} ; XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} ; XXXX XXXX ( Original Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against Drive NowAcceptance  ( DNA ), located at XXXX XXXX XXXX, XXXX XXXX, IL XXXX, for violations of the Fair Credit Reporting Act My husband and I purchased a vehicle from XXXX XXXX XXXX, an a partner and or affiliate of Drive Now Acceptance ( DNA ) on XX/XX/XXXX. The term was 44 months. In XX/XX/XXXX, my husband became ill with XXXX and contacted DNA to voluntarily surrender the vehicle due to financial hardship. DNA  instructed us to return the vehicle to XXXX XXXX XXXX, which we did. DNA  confirmed they received the vehicle and closed our account on XX/XX/XXXX. 

Despite voluntarily surrendering the vehicle and closing the account, DNA  reported the account as a " repossession '' on our credit reports in XX/XX/XXXX. When we disputed this with the credit bureaus, DNA  changed the report to " voluntary repossession '' but then re-reported it as " repossession. '' They have failed to provide any documentation validating this debt, as required under the FCRA. 

Most egregiously, in XX/XX/XXXX, DNA illegally garnished my husband 's wages without any notice or judgment, in violation of debt collection and wage garnishment laws. They then returned a portion of the garnished wages without any explanation. We never received any court documents regarding a judgment for this debt, and court records show no such judgment exists. 

DNA  has violated the following laws : The FCRA, by reporting invalid repossession information, failing to conduct a reasonable investigation of our disputes, and failing to provide documentation validating the debt. 

The FDCPA, by engaging in unfair debt collection practices, failing to provide required disclosures and notices, and illegally garnishing wages without proper legal judgment. 

Other consumer protection laws regarding debt collection and wage garnishment procedures in Illinois. 

We demand that DNA  immediately remove the negative account from my credit report, provide documentation validating this debt, return any illegally garnished wages, and be held accountable for violating the law and harming consumers. Please conduct a full investigation into this complaint and take action against DNA  to stop their unlawful behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS MOREOVER THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two unrecognizable inquiries from XXXX  XXXX XXXX business side that arent attached to anything and they are holding my profile back. I also have an unrecognizable inquiry under XXXX XXXX which I have no clue of what it is.
Product: Mortgage

I applied and received a mortgage from MB Financial in XX/XX/2017. I usually make extra payments to payoff my mortgage sooner. I have made several payments to principal on line on the bank '' s website. 4 of the the payments made have been mis-applied. I have had to contact them to reverse those payments and re-apply correctly. Each time they admit that they need to correct the processing method on their website, that they have been having problems with this. They have not done that yet. As a result, I am paying extra interest on my mortgage. I am a semi retired senior who worked in the XXXX XXXX for over 22 yrs. Including working for the XXXX. I would like for the Consumer Financial Protection Bureau perform an investigation as to why they are applying payments incorrectly.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I did not provide authorization or consent for this inquiry, and I am concerned about the impact it may have on my credit score.

Under the Fair Credit Reporting Act ( FCRA ), only inquiries with proper authorization should be included in a consumers credit file. As I did not authorize this inquiry, I am requesting that you immediately remove it from my credit report.

Please provide written confirmation of the removal of this inquiry. If you require any additional information from me to complete this investigation, feel free to reach me at the contact information provided above. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX I filed a request to have several accounts deleted through the CFPB dispute system, refer to attached previous CFPB forms. 

I had also sent to all three credit bureaus via mail these same accounts to be disputed as well to Experian, XXXX, and XXXX  with no " investigative results report ''. XXXX  replied with a standard credit report, which was not requested, but an " investigative results report '' is what I should have received. Read the XXXX XXXX cover sheet dated XXXX and the initial paragraph narration, its just a printed credit report. Refer to attached XXXX  cover sheet. 

Also, there are multiple addressses on my file that are not mine. I have disputed these addressess with Experian, XXXX  and XXXX  with no results or cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Bank Of America ( XX/XX/21 ) to remove late payment record from my closed credit card accounts. I got late payment because the card was used by an authorized user and I was not aware. Later I missed the monthly statements ( may be coming by email ) until I noticed their mail about sending to collection. The full amount was paid instantly ( very low amount ) and closed/never used that card again.

Agent on phone from Bank Of America ( BOA ) was agreed to do something for me to waive the late payment incident from my record and told me to wait for receiving the result in mail by next week. No case/ref number was available to provide. 

Just 4 days later ( XX/XX/21 ), I have found my credit score went down XXXX  points ( from XXXX to XXXX ) in XXXX and XXXX  points ( from XXXX to XXXX ) in XXXX. XXXX is not updated yet but it has a remark from same BOA account. Whatever report BOA has provided to all 3 bureaus my score did go down instead of going up. 

4 days later ( XX/XX/21 ), Ive also got a letter says call BOA back to provide additional information. I called BOA several times after that, transferred from dept to dept but no agent was able to provide any help or answer about why my score has gone down or even explain anything about their mail. 

At XX/XX/21 I called again and an agent said I will get another letter about the decision and provided me a Case # XXXX but no letter is received yet within next 7 business days. My credit scores are still destroyed by them. 

Please help. I am planning to apply for home loan within couple of month and I dont want to spend time by trusting their wrong reporting system or false commitments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 the company responded to my existing complaint submitted on this site and clearly stated The agent was able to set the customer up on a monthly payment plan to begin on XX/XX/2020. Unfortunately, the agent did not properly set up the payment plan nor remove the ACH block on the account. This caused the customers first two payments to return and not process successfully. I have screenshots to show that this company is still reporting my payments to my credit report as past due for all my current payments for the month of XXXX, XXXX, XXXX, XXXX and most likely XXXX. This error done by XXXX agent has occurred more than once and is harming my credit report with inaccurate information. My account is not in collection nor past due as I am current in my account as have been current.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX has violated my right, And lists of unauthorized inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 has reasonable cause to believe that the information is inaccurate.