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

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Debt collection

Did not receive any letters from ALUDOUS. Asking to dispute this as soon as possible.
Product: Credit card or prepaid card

In XXXX of XXXX I was issued a Bank of America XXXX XXXX XXXX card for the purpose of receiving unemployment payments from the Arizona XXXX. This card was used used for three months until XXXX XXXX  when Bank of America closed the card and took all {$3500.00} that I had in my account. 

This account closure : 1. Was done without my consent. 
1. Was made without appropriate notification from Bank of America. 
2. Was done without appropriate legal justification. 
3. Was not done in accordance with the policies set out by Bank of America upon opening of the account. 

As of XX/XX/XXXX I have spent dozens of hours making hundreds of calls and emails to both the Arizona XXXX and Bank of America card services, and I have still not been able to retrieve any of the funds taken from my account on XX/XX/XXXX nearly 8 months prior. Nor have I received any explanation as to why my account was closed and my funds taken. 

This is a very large issue for me as I lost my job working in hospitality due to Covid and the loss of {$3500.00} represents a significant impact on my livelihood and ability to survive over the last 8 months. 

Bank of America has since issued a new card but has still NOT refunded the {$3500.00} taken from me on XX/XX/XXXX, nor have they been able to supply any reasoning or justification for why my money was taken to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I would like to file a complaint against Capital One Bank. I dont recall having this account in the past. However, it continues to show up on my credit report. Therefore, I disputed the account through XXXX, XXXX, and XXXX on XX/XX/2021. In response, the account showed verified. 

As a result, I disputed this account with the creditor. On XX/XX/2021, I sent a dispute letter certified by mail requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. In response, I received an itemized printout. As a result, I sent a follow-up letter through certified mail on XX/XX/2021. In response again, I received the same itemized printout. 

As a result, I would like this item to be removed from my credit report. In addition, the company violated the fair debt collections Practice Act, Fair credit reporting act, and local state law by not providing evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay.
Product: Debt collection

There is a collection listed which is unknown and appears to be very old. I requested validation and disputed with noting provided to me. Please help
Product: Debt collection

Navient serviced student loan debt from a 2007 account. Recently I have been getting mail regularly ; just about monthly for last 3 months. I have worked with some of the credit repair people, and they told me " No way should this account be on your report or be valid on any type of form. '' And was advised not to pay it. Also, I believe the Statute is 7 years. 
There have been a lot of policy changes in 15 years and data brokering have become a source of viable income. Nonetheless, I wish not to be a part of whatever plan or business model they have currently. It seems each time we get this " cleared up '' - it pops up again. 
Lastly, I think I made one voluntary payment, it was less than XXXX  . I haven't contacted them at all. And had no intentions of getting into a payment agreement. 
I believe they operate ( now ) as non-profit organization. I attached a few documents. It had 4 pages in the envelope, 2 pages was disclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use Experian to monitor my credit. They have bc a score simulator which I have been following for months. Each time to take action I see my score change. I address the issues and fix and see my score increase. 

There is NO new debt or reason that my score fell 14 points from last week until now? Experian has NO explanation yet they continue charging me for a membership. I need to know why my credit fell 14 points when I have only been doing everything they told me to do to improve my credit. 

I have been on the phone with them for 2 hours, transferred 4 times and was disconnected 2 times by them. I have worked hard to improve my credit. Why when only cc debt has been paid to a zero balance does my score fall 14 points without explanation? Why are they doing Bbb this during a pandemic by the way, even more when I set my priorities on paying down debt during this pandemic am I seeing negative reflection on my score? I am Taking screenshots and this no explanation for lowering my score is causing harm to me and my family. Please address this.
Product: Mortgage

On Wednesday XX/XX/2023 XXXX XXXX XXXX, Branch Manger ( NMLS # XXXXCorporate NMLS # XXXX ) at CMG Financial in XXXX XXXX South Carolina sent me a link to start the mortgage application process online. I completed the application the day it was received. I then sent a message to XXXX XXXX informing him that it was complete and asking for guidance in adding two co-borrowers to my application. After a week with no response I texted, XXXX XXXX and waited. I sent a text, no response. On XX/XX/XXXX, I sent him an email asking about his health. I assumed, maybe something was wrong with him or his family. After several emails, text messages, and phone calls going unanswered, I call his office receptionist. The receptionist forwarded me XXXX XXXX XXXX supervisor, a XXXX XXXX XXXX. I left a message with XXXX XXXX explaining my need and asking for a return phone call. As of XX/XX/2023, I have not heard from XXXX XXXX or XXXX XXXX, in affect they have " ghosted me ''. 
I submitted personal and financial information to CMG, I would like them to delete my information from their system and send me verification of the removal. 

I don't believe a reputable company would behave in the manner that these two have. Therefore, I have elected to not do business with them and want anything I have submitted removed from their data banks. I can't trust these people nor this company.
Product: Credit card

Chase bank is assessing interest to credit cards based on a different formula than what is written on their disclosure. Even though I paid off my full balance on my credit card, Chase still assessed {$50.00} in interest to my account. 

Chase bank credit card disclosure from their statement says the following- " To figure your periodic interest charges for each billing cycle when a monthly periodic rate ( s ) applies, we use the average daily balance method ( including new transactions ) ''. The statement then says- " Subject to any interest-free period for new purchases, we will begin charging interest from the date a transaction ( including any balance transfer, cash advance or overdraft advance ), fee or interest charge is added to your daily balance until YOUR ACCOUNT IS PAID IN FULL. " My objection is the following : Chase says they use average daily balance in order to determine balance subject to interest. They then say interest is added until you account is paid in full. By using an average, once an account is paid in full, that means interest is no longer assessed. The average of any number with XXXX is XXXX.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. 

Account XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX # XXXX Account XXXX  # XXXX Account XXXX  XXXX XXXX # XXXX Account XXXX # XXXX 15 U.S.C 16881 section 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A Section 2 : IT Also state 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 CONTAINIG ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTION OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAT 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.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a XXXX charged-off XXXX XXXX credit card that continues to appear on my credit report. This account, with partial number XXXX, was opened on XX/XX/XXXX. Despite the Fair Credit Reporting Act 's ( FCRA ) seven-year limit for reporting negative information, this charged-off account remains on my credit report, causing significant harm to my credit score and overall financial opportunities.

Legal Grounds for Complaint Fair Credit Reporting Act ( 15 USC 1681 ) The FCRA stipulates that negative information like charge-offs should be removed after XXXX years from the date of the original delinquency. Since this charge-off is over XXXX years old, it should no longer be reported. 
Fair Credit Billing Act ( 15 USC 1666b ) The Fair Credit Billing Act requires creditors to promptly correct billing errors and discrepancies. The continued reporting of this charge-off could indicate improper handling of account information.

Privacy Act of 1974 This act ensures consumer privacy and control over personal information. The continued presence of a charged-off account beyond its permissible reporting period raises privacy concerns. 
Fair Debt Collection Practices Act ( 15 USC 1692 ) The FDCPA prohibits unfair or deceptive practices in debt collection. The ongoing report of a charged-off debt may suggest improper debt collection practices.

IRS Regulations on Discharged Debt According to IRS rules, a discharged or forgiven debt should not be reported on a credit report. Additionally, the absence of a 1099-C form, which confirms a discharged debt for tax purposes, raises questions about the accuracy of this charge-off. 
Requested Actions I request the following from the CFPB : Immediate Removal of the Charge-Off Given that the charge-off is over XXXX years old, it should be removed from my credit report. 
Investigation into Compliance with IRS Regulations Examine whether Capital XXXX issued a XXXX, as required by IRS regulations XXXX for this charged-off debt. 
Review of Account Handling Investigate whether XXXX XXXXXXXX violated any provisions of the Fair Credit Reporting Act, Fair Credit Billing Act, or Fair Debt Collection Practices Act. 
I request a prompt response and appropriate action to correct this situation. If further information or documentation is required, I am prepared to provide it upon request. Thank you for your attention to this matter, and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan

Upon change from one job to another, I promptly informed the lender that my pay cycle has changed and I would require a change of my billing dates to XXXX that. I was told no problem and representative took note of future pay dates and loan payment cycle. However vendor continued to bill on regular cycle causing overdrafts and fees.
Product: Credit card

I have called twice because of not being able to pay on accounts due to loss of employment. I also have a loan with the same bank and my payments are on time due to it comes straight from my social security check. I ask can all accounts be placed together and all payments can come from that one account was told no but its a way the accounts will get paid.

So now I am constantly being harassed about accounts even though I tried to get help from them.

I just dont know how to handle this and is definitely a burden on me and trying to pay back The name of company is Navy Federal Bank . I have other issues with them like overdraft payments being charged three and four times for one single account.

If anyone can please help or have a solution on how I can handle this situation please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Todays date is : XX/XX/XXXX Regarding Account : XXXX XXXX XXXX XXXX REQUESTED Dear Sir or Madam, After obtaining my credit report, I noticed that it shows late payments on the above account with your company. This has damaged my XXXX XXXX and is extremely troubling. 


Account Name : Account Number : Charge : Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am sure you are aware and understand that it is required by law that your company must take proper care in ensuring the accuracy of this information with my account ; adhering to this of the utmost. 

You are required to send my statements or bills to my correct address, take care to respond to my change of address requests and accurately record my payments in a timely fashion. 
Also, make sure late fees are accessed properly. 
In this regard, I hereby request the following steps to remedy this situation. 

To ensure compliance with all provisions of the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with this act regarding my account. 
XXXX requiring written evidence for all the payment you claim that I was late according to my obligations with your company. 
XXXX seeking written evidence of timely billing and the posting of all payments I made on this account, regardless to whether you claim they were late from the time this account was opened to this present date. 

If you are not able to provide me this evidence that I am legally entitled to have in writing, I affirm that you please delete all negative references of these late payments entries by your company on all CRA as they were submitted e.g. XXXX, XXXX and XXXX, and any others. 

If I have not received this itemized documentation within the period prescribed by law, I will expect to receive written notification that you have deleted all late entries that Ive disputed off my credit report. 

XXXX thanking you in advance for attending to my requests promptly To verify my Identity and my address, I am enclosing copies of identifying documents. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Mortgage

I have a mortgage with Citizens One Home Loans which commenced in XXXX 2016. The mortgage amortization schedule was incorrect established at inception which they acknowledged. However I believe they made errors when recasting and adjusting the payments which caused inaccuracies in my 2016 YTD principal, interest and escrow balances. I have been trying to obtain resolution for several weeks but despite several requests for them to review my 2016 payment profile, they have not yet responded. Most recently I have been in touch with XXXX XXXX in the Chairman 's Office, who promised to get back to me within a few days, but over 2 weeks later I still have not heard back despite calling him on 2 further occasions.
Product: Credit card

I received an email stating a fortiva card had been activated. Since I had not recieved or activated a card I was skeptical. I checked my account and no pending purchases or other information was present. When charges appeared I froze the card, contacted fortiva and the police. I filed a police report and began the horrible experience with the fortiva fraud department. My claim was denied and they started they had sent notifications of spending which they did not. I sent the claims to escalation and they denied it a second time stating the card had been used in a simular fashion to past spending. I tried and tried to speak with a manager and was refused on many occasions. When I spoke of filing a complaint a manager finally spoke to me after what must have been atleast 10 calls to fortiva fraud department and numerous hours spent on hold over weeks. I was asked to then provide fortiva with the police report. I live in XXXX and the theft occurred in Louisiana. An arrest has been made and fortivas fraud department still won't honor the claim holding me responsible for XXXX dollars in charges. Apparently fortiva sent a new card in the mail without any notification prior and it was stolen from the mail. I never received the card. I am across the country from where the crime took place and fortiva now wants me to go to Louisiana to get the police report and refuses to let me speak to a manager. They lied about sending notifications asking if it was me or not using the card. I know it's a lie because they said I viewed notifications and I never got any to view. They are calling me a liar and holding me responsible when an arrest has been made. They are forcing me to be a mediator between police departments and fraud departments from across the country. They are trying everything they can to get out of honoring my claim and adding insult to injury with their customer service. This is a horrible credit card company. I have 6 other cards and never had a problem with any of them. They refuse to make this right and I've gone above and beyond to help and provide information. This stress is causing me health problems.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX  Account # XXXX, 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 

I have sent multiples letters regarding this account with the most recent letter being XX/XX/year>.
Product: Mortgage

XXXX I contacted Mortgage Center of XXXX MI to inquire as first time homeowner. I was assigned to XXXX XXXX loan advisor. We complete the application and many documents were submitted. This process was unique because I already live in the home and I am purchasing from my father. XXXX informed me that my interest rate was 3.750 % I would have FHA loan, No money down, due to equity in the home given as gift from my father. I had to pay for appraisal {$420.00}. I found homeowners insurance $ XXXX year. Then they stop communicating with me. XXXX I was told another application is needed because of the time lapse from first application. So we redid all the wording and i sign a new application. Then I had to resubmit every document sent from XX/XX/XXXX. Time went by nothing XX/XX/XXXX XX/XX/XXXX I was requested to send check stubs and letter stating why I have inquires on my credit report. Then my time lapse with homeowner insurance so the police had to be rewritten, I lost the great deal I had. XX/XX/XXXX request for appraisal. Then nothing XX/XX/XXXX I was ask again to re-sign same documents I sent in 8 times and produce more explanations. Today XX/XX/XXXX I was emailed stating they need me to resubmit a brand new application and my credit need to be pulled again. They are not going to proceed with me unless I have a new application and they have various options for me. 
I feel like they are doing this because I am XXXX and they are not making any money on this deal. I have followed all their guidelines as requested and they refuse to process my application underwriting has sent me through the games and now I still dont have a mortgage at all. I would like so help to shine light on how this company does new home owners and lack of no communication and blame other people in the company for their down falls. Please help me. Now I am forced to take my business else where.
Product: Checking or savings account

Withdrew all but a few -approximately XXXX - dollars from a savings account. Called pnc to close an account, representative told me account was closed and a check with remaining balance would be sent. Check was not recieved, and since pnc has charged low balance fees on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander does not have monthly charge off amount. Please delete this account
Product: Credit reporting or other personal consumer reports

Violated my rights Account XXXX XXXX XXXX XXXX XX/XX/2021 {$2800.00} XXXX XXXX XXXX XXXX XX/XX/2021 {$1400.00} Capital One XX/XX/2021 {$310.00} Capital one auto finance - {$27000.00} XXXX XXXX XXXX {$31000.00} XXXX XXXX  XXXX {$5200.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX  XXXX {$4200.00} XXXX XXXX  XXXX {$4900.00} XXXX XXXX XXXX {$44000.00} XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied at the university of XXXX and decided that with schedule and time constraints I would n't be able to finish the semester. I had a balance on my account. They reported it as a loan. I have never had a loan nor have I ever signed loan documentation with this establishment. They went as far as to fictitiously set up a payment amount that I have been missing and place that I 'm my credit report. Is this legal? I called and spoke with XXXX XXXX and she said that this is just their billing practice and she would not remove it from my credit report. I said but this is a lie, I do not have a loan with you ''. She then spoke with her supervisor XXXX XXXX and she said the same thing. Even though you do n't have a loan with us we report it like this to the credit bureau 's and the payment amount is 10 % of what you owe us, even though you did n't agree to this this is our practice. I was then referred to their billing company Heartland, I paid the balance in full. I just want the inaccurate information removed from my credit report and hopefully their billing practice changed. This should be illegal for them to report in such a manner.