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

I completed an application for a HELOC loan through XXXX XXXX and spoke with a rep name XXXX. He stated that I was approved and that they will need to get an appraisal of the property to determine the value. He he pull my credit and also stated that my score was a XXXX and if I could get a XXXX that they could provide a 80 % loan. 

XXXX called back the next week stating that he wasnt licensed for XXXX and he was going to get someone who was. 

Then I received a called from XXXX XXXX stating that he was a XXXX XXXX rep and was going to be taking care of the file. XXXX then pull my credit again ( twice in 1 week with the same company ) and said I was not approved do to low credit score. The inquiry states xactus-XXXX XXXX. I did not knowingly speak to anyone from XXXX XXXX  and did not authorize a 2nd credit pull from the same company in 1 week.

I received a letter in the mail stating that the reason for denial was because of insufficient collateral. This is not what was stated to me because no appraisal was performed to calculate the equity, which I have {$120000.00} of appraisal equity. 

Due to XXXX XXXX inaccuracy of performance of my file, please delete this inquiry. There were misleading and incorrect information giving to me from the reps such as credit being pulled twice in a week from the same company, and XXXX ( 2nd rep ) being a rocket mortgage agent and I was told that credit was being pulled 1 time only and the original representative was not licensed in my state to handle my file. 

Lastly, I received a letter from XXXX XXXX  then saying I was denied due to value or type of collateral not sufficient. Although, we never got to to the appraisal process to determine the value. 

Inquiries : Avantus LLCXXXXXXXX XXXX XXXXXX/XX/XXXX ( unauthorized credit pull from an unknown company ) This inquiry is for the same loan when my credit was pull on the XX/XX/XXXX. I did not apply with XXXXXXXX XXXX at any time. Please remove XXXX XXXX XXXX XX/XX/XXXX ( Please remove due the the representative XXXX not being licensed for my state to perform a mortgage ) They are responsible for my credit to be pulled twice in a one week time period.

Please remove I am requesting that the following inaccurate items be immediately investigated. 
Please delete this misleading information in order to show my true credit history. 
By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.

Also, pursuant to USC s1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the address below. According to the provision
s of 15 USC section 1681j, there should be no charge for this notification.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

The end of XXXX through the beginning of XXXX. I noticed fraudulent charges on my account. I called my bank and disputed them for fraud. I was credited temporarily for the inconvenience. However, I was just charged again for the fraudulent charges and am now told I'm responsible for these charges. 

Claim ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian currently reports the following account inaccurately. 

Account under the name : XXXX XXXX  This account currently reports both my name and address inaccurately a violation of FCRA rules section 1681 This account currently reports inaccurate balance and paste date of activity a violation of FCRA rules.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

The delinquent payment shown on my credit report during the periods of XX/XX/XXXX to XX/XX/XXXX was a result of my job loss due to COVID-19. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information to PAID/AGREED for the following time period. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$5000.00} Date of Account : XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX, I've repeatedly contacted XXXX, now Waypoint Resource Group Collections to cancel my monthly internet subscription with them so that I may move out by the end of XX/XX/XXXX to a new residence. In the screenshots below you will find proof of when XXXX accepted my returned device on XX/XX/XXXX and after months of calling XXXX to get the issue of no payment that is owed to them by me, on XX/XX/XXXX, I was credited back on the account what I did not owe due to paying this account off before the device was returned on XX/XX/XXXX. I've received a Collections of the amount of {$160.00} on XX/XX/XXXX that should not have been on my reports : XXXX nor XXXX at all since the account has since been settled and closed and promised by XXXX   employers over the phone and in the XXXX  store shown in the device receipt of return on both dates : XX/XX/XXXX and XX/XX/XXXX. I've submitted a dispute twice to Waypoint Resource GroupXXXX since XXXX of 2019 and the first dispute to no avail, nothing was done. The second dispute in XXXX of 2019, the balance was decreased when it is supposed to be completely removed. There was no follow up from this company to prove that any amount was supposed to be on my report, given that I have proof in the screenshots below that this matter was supposed to be already dealt with. This account needs to be taken off both my reports immediately as stated in both my disputes.
Product: Credit card

A dispute in the amount of XXXX was filed with Continental Finance for an item I returned, not refunded by merchant. The rep who took the claim was provided with all relevant information ie date of return, reason for return, tracking number, response from merchant, etc.. However, they sent a letter asking for all information again. Please note, tracking information was provided a total of XXXX separate times, their letter asked for it again. The item is a pair of XXXX shoes that did not fit, the wrong size could have been sent. However, I do not know for sure because the size on shoes was not checked. This information was given to rep XXXX XXXX ) in dispute dept, was requested again in their letter. As you can see, they have done nothing in regard to this dispute except request information already provided to them. The dispute number is XXXX
Product: Bank account or service

Citi Bank credit card dispute department reversed a conditional credit TWICE by mistake. I called at least 5 times and spoke to different Citi customer service reps, but nobody had made any corrections. 

Original purchase date : XXXX/XXXX/16. Merchant : XXXX 
I returned the item in XXXX, but merchant did not issue credit in a timely manner. I called Citi master card and citi master card gave a conditional credit on XXXX/XXXX/16. 

The merchant subsequently gave a credit on XXXX/XXXX/16. 

Then Citi reversed the conditional credit TWICE on XXXX/XXXX/16 ( posted to XXXX/XXXX/16 ) thus caused me out of money for {$50.00}. 
I called on XXXX/XXXX/16 and spoke to Citi service rep XXXX ( ID # Sdk XXXX ) and XXXX understood the issue but she was NOT able to find anyone from dispute team to make correction. 

On XXXX/XXXX/16, I talked with dispute team member XXXX online, XXXX also understood the issue and apologized for Citi 's mistake, but he had limited access thus he was also not able to submit a credit. 

On XXXX/XXXX/16, I called dispute team and spoke to dispute team manager XXXX, XXXX also admitted it is Citi master card 's mistake in taking away the {$50.00} conditional credit twice on XXXX/XXXX/16. However, XXXX also told me she had no authority to give a credit, and she had to forward this issue to Citi investigation team to handle. 

I spent 40 minutes to speak to each Citi customer service rep and chatted online at least 4 times but I had been transferred from agent to agent as if they are kicking me as ball, all agents admit Citi 's mistake but nobody is able to make a correction of the error. I need this issue to be addressed immediately!!!
Product: Mortgage

On XX/XX/XXXX I wired the sum of {$73000.00} to Bank of America, NA to pay off the HELOC loan for their customers. That payoff included a figure for recording of a discharge the HELOC at the local County Registry of Deeds. By law, Bank of America had 45 days from that date to record the discharge ( that means the discharge should have been recorded by XX/XX/XXXX ). Today, XX/XX/XXXX I checked with the Registry of Deeds and the Discharge still has not been recorded. It is now 52 days since Bank of America received the payoff funds and agreed to record the discharge of the HELOC at the local County Registry of Deeds. I called the Bank of America XXXX number and after waiting nearly one-half hour, I was told by the representative that the loan had in fact been paid in full and that the account had been closed out, but they could not discuss the issue of a discharge with me without written consent from the customer to me. This is obviously just a delaying tactic ; if the account has been paid in full and closed out, then the customer is no longer their customer. When I presented this logic to the representative, she repeatedly stated that I needed the customer authorization to talk to them about recording the discharge which they are required to do by law.
Product: Debt collection

On XXXX I received a debt collection notice for {$1500.00} for a closed XXXX cellular account. This debt, however, was paid via XXXX on XX/XX/XXXX. Initially, XXXX did not provide me with a closing bill ( the process took 6 weeks and a complaint to the California Public Utilities Commission before they finally sent it to me via email ). Since I was set-up on " auto-pay '' with XXXX, they charged my XXXX on file - which I charged back with my card issuer while the final amount/bill were in dispute. Upon receipt of the bill, I reversed the chargeback in full ( {$1500.00} ) with my XXXX XXXX and have a statement to that effect. 

I have contacted XXXX corporate no less than 10 times via email, explaining the situation, providing statement copies and a transaction number - only to have XXXX tell me that they " never received the payment ''. XXXX maintains the transaction went through on their end - and again - provided me with a transaction # and confirmation code. To date, two weeks into the dispute process, I have not been given anything further - other than threats of further collection efforts and damage to my credit. I need the CFPB to please intervene here. I am willing and able to produce all documentation, including the endless email trail with XXXX, to prove that my final bill was paid - IN FULL.
Product: Credit card

I am writing to formally demand the immediate removal of an inaccurately reported charge-off from my consumer credit report, which you have furnished to the credit reporting agencies. This erroneous information has severely damaged my personal and financial reputation, adversely affecting my ability to secure credit for personal and housing purposes.

Violation of Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), as a furnisher of information, you are legally obligated to provide accurate information to consumer reporting agencies. It is unlawful to report information that you know or have reasonable cause to believe is inaccurate. The continued reporting of this charge-off, despite its inaccuracy, constitutes a clear violation of federal law. 
Misrepresentation of Debt as Income : According to the Internal Revenue Service ( IRS ), canceled or forgiven debt is considered taxable income and should be reported as such on tax returns. This is typically documented through Form 1099-C. Income, however, is not to be reported on consumer credit reports. By inaccurately reporting this canceled debt as a charge-off on my credit report, you are misrepresenting income as outstanding debt, which is both misleading and unlawful.
Product: Credit reporting or other personal consumer reports

I AM DEMANDING TO SEE THE PAPERWORK FOR THE " LENDER '' WHO THIS CHARGED OFF 7+ YEAR OLD ACCOUNT WAS SOLD TO! I HAVE NO RECORDS OF ANY LENDER BUYING THIS ACCOUNT. THEY SOLD IT TO A COLLECTION COMPANY YEARS AGO THAT SOLD IT BACK TO XXXX BECAUSE THEY DID NOT WANT TO GET INVOLVED IN POTENTIAL LEGAL BATTLE OVER XXXX XXXX INEPTNESS IN RESOLVING PROBLEMS WITH THEIR STATEMENTS AND INABILITY TO PROPERLY INVESTIGATE THEIR OWN STATEMENT ERRORS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting an incorrect coding of the XXXX partial account number XXXX. This account is being coded as an XXXX when actually this account needs to be coded as an XXXX. ( Please see page 4 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

In violation of 15 U.S. Code 6802, it has become clear that XXXX has disclosed my nonpublic personal information to at least 3 non-affiliated parties XXXX, EQUIFAX, and XXXX. As defined at 16 CFR 313.3 ( k ) ( 2 ) Personally identifiable financial information includes : ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ''. Per 15 USC 1681 ( Fair Credit Reporting Act ) and 15 USC 6802 ( Gramm-Leach-Bliley Act ), as a federally protected consumer, financial institutions are required per 16 CFR 313.7 ( a ) ( 1 ) to provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state a reasonable means by which the consumer may exercise the opt out right. 

XXXX has never given me a reasonable means of opting out of disclosure of my nonpublic personal information per 15 U.S. Code 6802, as required by law. I expressly OPTED OUT on XXXX XX/XX/XXXX of any and all authorization that I may have given XXXX to disclose any of my personally identifiable financial information, whether such authorization was written, unwritten, verbal, non-verbal, implied, or assumed. I have recorded over 82 violations of my privacy regarding my accounts with XXXX since XXXX. 

Furthermore 15 U.S. Code 1681adefines ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. XXXX is willfully disclosing reports containing information solely as to transactions or experiences between XXXX and I to non-affiliated third parties. 

Pursuant to 16 CFR 313.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( c ) Partial opt out. Financial Institutions may allow a consumer to select certain nonpublic personal information or certain nonaffiliated third parties with respect to which the consumer wishes to opt out. 

I have received no response after my express OPT OUT, and are still disclosing my nonpublic personal information to XXXX, EQUIFAX, and XXXX.
Product: Credit card or prepaid card

Capital One restricted my credit card account while still charging annual fee on the card. They are not letting me close my account and provide the credit balance back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXX {$0.00} XXXXBalance {$14000.00} XXXX XXXX XXXXBalance {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XXXX XXXX, XXXX - XXXX - XXXX as informed notice of action with three credit reporting agencies XXXX, Experian, and XXXX refuse to report on a minor under the age of ( XXXX ) with required documents provided currently. On XXXX XXXX, XXXX - XXXX - XXXX the consumer made a request for minor under ( XXXX ) credit inquiry and/or statement letter response of no such account exits pursuant to the ( FACT ACT ) presently. All three credit reporting agencies XXXX, Experian, and XXXX all denied ( FACT ACT ) rights with no response to the issue. Gracious! [ XX/XX/2020 ] XX.
Product: Credit card or prepaid card

I have reported to Comenity Bank / Alliance Data over 2 months ago a dispute in reference to several invalid transaction that Im owed credit by the merchant. I have provided all relevant supporting documents along with a letter from my attorney with Confirmation from Visa USA concerning the time frame set by Visa. Unfortunately, while Comenity has indeed given me a temporary credit on these 3 transactions, they have not resolved these disputes and as reported to me they havent even began the 1st step of permanently recovering these funds. As outlined by my attorney in the documents submitted to Comenity Bank, Per Visa USA, Comenity only has 120 days from the date of the credit documentation to submit a proper dispute. These 120 days run out on XX/XX/XXXX. Comenitys negligence is unacceptable. They have no right or business to sleep on this file for 60 days and do nothing. 

- this was also reported to Comenity, but at the time, Comenity wrongly assumed they were already credited on XX/XX/XXXX and they did not notice that these credits were reversed the next day on XX/XX/XXXX. several months ago a was finally able to obtain a pledge for credit from the merchant, only to fall pray for Comenity to sleep on the file for a few months and do nothing.
Product: Debt collection

As this subject was not available, this category is the closest to my situation. 

I submitted a notice on XX/XX/XXXX to Citibank regarding my questioning of the validity of a credit card account, wherein I claimed this account/contract is void ab initio until Citibank could prove its validity with a wet-ink-signed document my myself proving so. 

In this notice, I gave Citibank 20 days to respond with such proof for me to inspect proving so. It is XX/XX/XXXX, and I have yet to receive even a response, let alone the proof I'm demanding. I also stated after this 20 days has passed, and without the said proof given, if Citibank sends me any bill, account statement, or anything that is not the proof I seek, I consider this harassment and will charge a minimum of {$500.00} for every time I receive it. 

This complaint is merely to document this situation, along with a copy I will attach hereto of the actual notice I sent on the said date that I am still awaiting a reply.
Product: Vehicle loan or lease

Looking on my credit report. I seen that someone took out an auto loan in my name. I have never taken out a auto loan. This was not me XXXX XXXX who. Applied for this loan.