23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX Ive sent over everything the credit bureaus asked for me to send. I sent over, ID, Social Security, Document Letter, Identity Theft document, just to get no response or resolution about this matter. 

XXXX XXXX XXXX XXXX {$6700.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} XX/XX/XXXX Collection AccounXXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX This accounts are not mines,
Product: Credit card

Comenity Bank charged me a terminated promotional interest rate in XXXX XXXX ; however, there is no actual charge date associated with this interest. I made a full payment of the balance at the end of XXXX XXXX  yet the payment was not posted until XXXX XXXX XXXX This delay is unusual, as it suggests that the bank can arbitrarily post a payment date while failing to provide a clear charge date for the interest. 

I have written multiple letters to Comenity Bank explaining that : I made my payment on time, yet the posting was delayed.

The interest charge lacks a specific charge date.

I have requested that the interest charge be reversed due to these inconsistencies.

Despite my efforts, Comenity Bank has repeatedly denied my claim and refuses to remove the illegitimate interest charge. I believe this practice is unfair and deceptive, as consumers should not be charged interest without a corresponding charge date, especially when the promotional payment was made in a timely manner. 

I request the CFPB to investigate this matter and take appropriate action against Comenity Bank. Furthermore, I seek a resolution where Comenity Bank reverses the improper interest charge and ensures that future payments are posted in a timely and transparent manner. 

Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue.
Product: Credit card or prepaid card

On XX/XX/2023, I logged into my Capital One Mobile App to make my monthly payment, to notice there was a restriction placed on my account. It took me by surprise to see a restriction was placed on my account ; since the account has available credit and is currently up to date. On XX/XX/2023, I called the customer service line to inquire about this matter. The first represented I was connected to, quickly dismissed my inquire and said my account was permanently suspended and payments are still require on their due dates. Since I was dismissed prior to an explanation, I requested a supervisor to explain what was going on. When the supervisor answered, she immediately transferred me to the FRAUD DEPARTMENT MANAGER. The fraud department manager XXXX ( XXXX ) advised me that due to activity on my Capital One Credit Card or another financial institution, our account was permanently suspended and that was it. when I asked for clarification, XXXX told me that was the only information he can provide until we receive a letter that will be sent out. I then asked to speak to the escalation team, to which he told me he was the highest representative or manager above him. We were left with many question and no answers. Please be advised coincidently that we recently sent a letter explaining how our consumer rights were violated. Capital one response to that letter, was requesting more information. The follow up letter was sent with the required requested information, and now this happened in what seems like retaliation. Keep in mind we are long term customer whom never been late or had any defaulted payments.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding a fraudulent Bank of America credit card account that was opened under my name on XX/XX/year>. Despite repeated attempts to rectify this situation, I have encountered numerous obstacles and have yet to receive satisfactory resolution. 

The fraudulent credit card account in question was opened without my consent, and subsequent to its unauthorized opening, it was never closed properly and remains charged off with a balance of {$66.00}. This unauthorized activity has had a profoundly negative impact on my credit score, creating substantial financial and emotional distress. 

Despite my diligent efforts to dispute the validity of this account, it remains unresolved, casting a shadow over my financial reputation. My attempts to seek assistance from Bank of America have been met with frustration, as they claim to be unable to locate the account or provide any meaningful assistance. 

Furthermore, my interactions with the credit bureaus have proven equally unfruitful, as they merely redirect me back to Bank of America without offering any tangible assistance or guidance. This situation has caused me undue stress and financial hardship, as I continue to suffer the repercussions of a fraudulent account that I did not authorize nor benefit from. 

As a consumer who has diligently sought to address this issue through appropriate channels, I implore the Consumer Financial Protection Bureau to intervene on my behalf and facilitate the swift removal of this fraudulent account from my credit report. 

I am hopeful that with your intervention, this matter can be resolved expeditiously, allowing me to regain control of my financial standing and restore my creditworthiness. I appreciate your attention to this urgent matter and look forward to a prompt and favorable resolution. 

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this inquiry at Lowes on XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation under15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ),
Product: Debt collection

I called on XXXX and spoke with a representative on the phone. I was unsure of who the company was that they were collecting the debt for. I discovered it was for a medical debt. The debt is for a bill {$480.00}. The collection I was sent added in their interest charge of {$12.00} making the medical debt now {$500.00}, please note that this interest is not from the medical provider. This debt was not an interest-bearing debt before this company took this debt to collect on it. Also, the state of Missouri does not charge interest on medical debt unless a prior agreement is made and signed off on. Also, the representative on the phone stated that since the company has taken on the debt, it is their interest that they will be charging for handling this debt, which I have not signed nor agreed to. my only option to avoid paying interest or garnering further incurring interest would be to pay this debt in full with the original provider or to pay their {$500.00} in full.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation 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 systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
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 : "
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; SXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will accept new business on any day of the year and calculate initial billing according to the start of service date. However, when customers transfer service to other providers, XXXX has a 'sore loser ' practice of overbilling exiting customers on their final bill and a practice of refusing to make corrections to the bill. Their practice is to bill exiting customers for an entire month of service no matter what day of the billing cycle the customer cancels service. This can not be legal for them to bill exiting customers for products or services they do not provide. For instance, if I cancel my service with XXXX 5 days into the new billing cycle then I should fairly be billed for those 5 days on my final bill. However, their practice is to charge outgoing customers for a full 30 day billing cycle no matter the day of cancellation and invoice all sorts of inaccuracies on the final bill. Apparently, there is such a huge volume of mobile service accounts that become collection issues that the major credit bureaus very freely accept anything the major mobile service providers report as no burden of proof is placed on them to show what products or services the reported balances are for. I have disputed their false charges several times and they simply need to send any of the major credit bureaus a one page - one line bill that reads 'charges ... .... $ xxx.xx ' and the credit bureaus deem it valid. I'm sure the major credit bureaus are not out for accuracy either because they're doing well from these false, unethical billing practices used by the major mobile service providers. There needs to be a consumer protection intervention because accuracy and ethics have gotten swallowed up by the mountain of mobile service transactions in commerce and consumers are getting trampled by sloppy, inaccurate and egregious billing practices. I really hope someone takes time to look into the magnitude of this problem. Thanks for any help you can provide!
Product: Credit reporting or other personal consumer reports

EXPERIAN, XXXX, XXXX Last 4 socialXXXX RE : XXXX XXXX To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX .and accordance with the fair credit act first progress,, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX  consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting the changes. 

Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified this company that this account does not belong to me and submitted a police report, which also proved this account is not mine, but they have not removed it from my credit report.
Product: Vehicle loan or lease

I financed a vehicle through Consumer Portfolio Services ( " CPS '' ) on XX/XX/XXXX by means of a fraudulent loan that made material misrepresentations of the finance charge. According 15 USC 1605, the finance charge must cover insurance premiums, but the contract has an unconscionable adhesion agreement that binds me into paying for my own insurance. The fourth page of the Contract states that [ y ] ou agree to have physical damage insurance covering loss of or damage to the vehicle for the term of this contract. The insurance must also include our interest in the vehicle. 

This is a pattern for CPS. I spoke with a supervisor at CPS, who confirmed that CPS never covers insurance. On XX/XX/XXXX, I rescinded the contract and demanded a refund in the amount of {$16000.00} pursuant to 15 USC 1635 in a commercial affidavit of truth that required a rebuttal and listed approximately 11 code violations. 

CPS never rebutted that affidavit, but instead sent me a letter acknowledging its receipt of my affidavit, making derogatory statements, and proceeding to demand payments from me. That letter was dated for XX/XX/XXXX. CPS CPS has NEVER denied any of the allegations or made any attempt to prove that the contract is valid and has refused to issue me a refund as required in 15 USC 1635. 

Not only is CPS refusing to refund me XXXX in payments as required by law, but I have spent approximately {$18000.00} on unnecessary insurance premiums. The fees charged by CPS are not a finance charge. CPS is simply using adhesion agreements to cover its fraud. CPS is illegally pocketing this money and intends to use its bogus contract as a frivolous defense. There are hundreds of thousands of consumers that have been affected. 

CPS has not taken any action to terminate the security interest on the vehicle so there remains a threat of unlawful and illegal seizure in retaliation for asserting my rights. CPS has a long history of complaints with the FTC, XXXX, and class action lawsuits.CPS is fully aware of its misconduct and does not intend to make this situation right.
Product: Bank account or service

I deposited XXXX money orders on XX/XX/XXXX and XXXX money orders on XX/XX/XXXX. I was not notified of a hold on the first deposit until after I already deposited the money orders on XX/XX/XXXX. Apparently, Bank of America believes that one of the money orders from the XX/XX/XXXX deposit is uncollectible and as such has placed an extended hold on that money order, plus all XXXX money orders in the XX/XX/XXXX deposit for no apparent reason. I have attached all of the receipts that should be relevant to this issue. The bank branch has reviewed the physical copies of most of the items and has informed me that they are still unable to release the hold. The hold times are in clear violation of Regulation CC. The hold on the one money order from the XX/XX/XXXX deposit has been released as the hold was apparently set to expire at XXXX on XX/XX/XXXX. The bank has no reason to believe that any of the money orders deposited in the XX/XX/XXXX deposit are uncollectible. They are simply using the second deposit hold to extend the first deposit hold longer than what may be legally allowable if the first deposit was subject to an exception hold. Not only is this a clear violation of the Regulation, it effectively allows the bank to hold funds indefinitely as long as deposits to an account are being made.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the unresolved issue regarding the inaccurate reporting of late open accounts on my credit report. I am deeply frustrated by the continued presence of these inaccuracies and the lack of resolution. The persistent presence of these inaccuracies is unacceptable and reflects poorly on your organizations commitment to accurate reporting and customer service. It is imperative that this issue be escalated immediately to ensure a thorough and expedited resolution. I would like to ensure that the late open account is accurately reported on my credit file, reflecting their true status. The Credit Bureaus failed to address this issue promptly that had leave me with no choice but to escalate the matter further, including seeking assistance from you to ensure compliance and protection of my consumer rights. Please help me correct the account : XXXX XXXX XXXX  XXXX Balance : {$7200.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/2025 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint : Civil Liability for Negligent Noncompliance Under XXXX XXXX XXXX To Whom It XXXX Concern, I am submitting this formal complaint against PORTFOLIO RECOV ASSOC for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX XXXX. Their failure to meet their statutory obligations has caused harm to my credit standing and financial well-being. 
XXXX. Disputed Item ( XXXX ) : PORTFOLIO RECOV ASSOC Account XXXX PORTFOLIO RECOV ASSOC Account XXXX XXXX. Violation of FCRA Obligations : The company has failed to fulfill its legal responsibilities as follows : XXXX XXXX XXXX XXXX b ) : Failing to ensure maximum possible accuracy of the information they reported. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failing to conduct a reasonable investigation upon receipt of my dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Neglecting to notify the furnisher of the disputed information within XXXX business days. 
3. Evidence of Negligence : Despite multiple attempts to resolve this matter, the company has not adequately addressed the inaccuracies or provided evidence of proper investigation. As a result, these errors remain on my credit report. 
The companys negligence has resulted in : Financial Harm : Negative credit reporting not allowing me to purchase a home. 
Emotional Distress : The ongoing inaccuracies have caused unnecessary stress and inconvenience.
Product: Debt collection

Identity Theft Letter to a Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX TX XXXX COMMONWEALTH FINANCIAL ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Account # : - XXXX XXXX Account Type : - COLLECTION COLLECTION Account Type - Detail : - Collection Collection Account Bureau Code : - Individual Individual Account Account Status : - NotsatisfyingXXXX - Monthly Payment : - - - Date Opened : - XX/XX/2023 XX/XX/2023 Balance : - {$1000.00} {$1000.00} No. of Months ( terms ) : - 1 Month - High Credit : - {$1000.00} {$1000.00} Credit Limit : - - - Past Due : - - - Payment Status : - Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Unpaid Last Reported : - XX/XX/2023 - Comments : - MEDICAL Date Last Active : - XX/XX/2023 XX/XX/2023 Date of Last Payment : - I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with [ name of business where account was opened ]. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity theft. 

I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform [ business where the account was opened ] that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report CFPB 's Notice to Furnishers of Information [ PDF ]
Product: Vehicle loan or lease

Honestly I have so many screen shots of this insanely unstable use of my hard earned money that was supposed to go to this car that was deemed a total loss in XX/XX/2024. XXXX fees insane amounts used just for interest others XXXX dollars only used on my principal balance the rest all on interest. Refund payments I never received ask XXXX bank for my credentials I never got a single cent from someone wrecking this car in fact I've gained more loss since it happened from this corrupt company. 

I give XXXX full access to my account to investigate Toyota Financial Services This has to stop so it doesn't happen to others cause this is insane.
Product: Debt collection

I applied for credit at CONN 'S XXXX in XXXX 2015 My Name is XXXX XXXX XXXX, They put the credit in my former name XXXX XXXX, credit I had with them 15 years ago and paid it off. I have new credit with them and they are harassing me calling more 10 times a day because of late payment due on the XXXX of each month I am only 3 days late, they call before due date and after saying friendly reminder, I am a XXXX XXXX XXXX woman and this raises my XXXX, I told them that I will pay my bill on the days that I get my money, they still call like crazy XXXX. all day.What can I do to stop from calling me everyday