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

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am writing to formally dispute the handling of my Sephora Visa Credit Card account ( ending in XXXX ), specifically concerning the returned payment made on XX/XX/XXXX, and the subsequent imposition of late fees and adverse credit reporting. 

According to your correspondence dated XX/XX/XXXX, my minimum payment was received on the due date but was later returned, resulting in my account becoming past due. This sequence of events has caused late fees, elevated payment requirements, and negative credit reporting, which I believe were improperly imposed.

This situation appears to violate protections provided under the Fair Credit Billing Act ( FCBA ). I reference XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), in which the Third Circuit Court of Appeals ruled in favor of the consumer, emphasizing the creditors obligation to properly investigate and resolve billing disputes. In that case, the court affirmed that creditors must take reasonable actions to ensure billing accuracy and to resolve disputes in good faith. The return of my paymentfor reasons beyond my controland the resulting penalties similarly constitute a potential billing error under the FCBA.

I request the following corrective actions : A comprehensive investigation into why my payment was returned.

Immediate reversal of all late fees and penalties imposed since the XX/XX/XXXX, payment. 

Correction of any negative information reported to credit bureaus as a result of this error.

A detailed written explanation of your findings and the steps you have taken to address this matter.

Under the FCBA, I am entitled to a timely and adequate response. I expect confirmation that my concerns are being investigated within 30 days of receiving. Failure to address these issues appropriately may compel me to escalate this matter to the Consumer Financial Protection Bureau or pursue further legal remedies.

I appreciate your prompt attention to this matter. Please respond to this letter in writing at the address provided above. If you require further information or documentation, do not hesitate to contact me.

Thank you for your cooperation. 

Sincerely, [ XXXX ] All Rights Reserved Without Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

A child support agency in North Carolina sent information to Credit Bureau ( Experian ) for child support arrears in ( XXXX XXXX XXXX and only after i applied for a modification of my orfer. Before this i was never reported to thus or any other credit bureau ... and these arrears are from the year XXXX. 
Before XXXX and before i applied for modification ( nothing was ever reported ) this is retaliation due to friction that we had while in court. 
My EQUAL Protection Rights were violated as well. Due to the fact i never was notified that i was or could be reported to credit bureau or any such notice. I havent missed a payment in years. ( they Garnish my SSDI ) check and hv sone so for years..at least. For the last 6 years now. 

I contacted the child supporr agency and spoke with Supervisors as well as The Deputy director ( XXXX XXXX XXXX ) phone # XXXX XXXX who looked into the case..my case and agreed that i should not been reported to Credit Bureau XXXX The court order never stipulated this and ( again ) i was never given notice of any impending sanctions. 

XXXX XXXX instructed her subordinate XXXX XXXX XXXX to recode my case file as to not be reported to the Bureau from here on out. XXXX XXXX notified me at the beginning of ( XXXX ) That it had been recoded and wouldnt be reported any longer. Her # is : XXXX XXXX XXXX XXXX. I have disputed this With Experian in XXXX and XXXX. To know avail. I on the second dispute even updated them on the recent discovery and that i had spoke to the Child Support deputy Director, who ordered my case to be recoded to not ..or no longer be reported. I even Provided Experian with her name and Phone no. As Well as they were calling the wrong agency Prior to this. They never called XXXX XXXX. And still continue to Report my Child Support Arears. Wwll nit actually reporting any new or up to date info. BECAUSE the Child Support Agency is no longer reporting my case. So now it looks as if im NOT paying my Child Suoport at all because no updates will ne reported by Child Support Agency. And Experian refuses to take past info reported off of my report.
Product: Debt collection

Portfolio Recovery Associates is constantly calling my phone daily and it has been happening for over a month now. First and foremost, they have no right to even have my private information as there is no legitimate business need to have it. I have never inquired, nor signed up for this company. They fraudulently obtained my information AND created an account with it. That is ID theft! They are knowingly and willingly participating in this misconduct. I reached out to them via chat on XX/XX/2024 around XXXX to get them to delete my information from their system. The agent whose name, or alias, was XXXX and he abruptly ended the chat, assuming because he/she did not know what to do. Instead of escalating the situation like I asked, he/she just ends it. I then try to use the live chat again, and I get an error message which I took a picture of for my records. I do not have any type of contract with this company so I have every right to request that my information be deleted. They purchased my information from XXXX XXXX, who, as a financial institution, was never supposed to share my nonpublic personal information with an unaffiliated third party without my consent. This is clear under 15 USC 6802. It clearly states that it shall be disclosed to the consumer that the information will be disclosed to a third party, and the consumer shall be given an opportunity BEFORE the time that such information is initially disclosed, to direct that such information not be disclosed to such third party, and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Not to mention, XXXX XXXX was supposed to initiate ARBITRATION pursuant to our original agreement BEFORE selling my information. This is a clear breach of contract! 

So it is evident, not just by my personal experience, but by the {$12.00} XXXX in redress to harmed consumers and a {$12.00} XXXX civil money penalty ( XXXX XXXX XXXX ), that PRA does not care about consumer privacy and protection. And that XXXX XXXX, the consumer reporting agencies, and all other banks, financial institutions, and collection agencies are all in cahoots. There is no such thing as consumer privacy as long as these companies exist because there is no way individuals that I have never met can and will protect my information, as the rise of online fraud, and ID theft is proof of this.
Product: Credit card or prepaid card

I logged into my account on XX/XX/2018, and received a notification that my account was closed. 

I received a letter in the mail on XX/XX/2018. Here is what it states : -- -- Dear " Customer Name '' : Wells Fargo regularly reviews its customer relationships in connection with its responsibilities to oversee and manage risk in its banking operations. After carefully reviewing the risk related to your account, we must advise you that your account is being closed immediately and no additional transactions will be permitted. 

This decision is final and can not be changed. Wells Fargo 's risk evaluation processes are proprietary and can not be shared. 

Sincerely, XXXX XXXX XXXX, XXXX. 

-- - With all accounts being paid in full each month and only utilizing one percent or less of my total credit card limit, this risk evaluation does not make sense. The Wells Fargo credit card I used had a {$0.00} balance. I was even told by a representative that the account was going to collections. How can an account go to collections with a {$0.00} balance? A bank should be able to tell its customer a specific reason on why the account was closed.
Product: Checking or savings account

Wells Fargo had a promotion stating you will receive a {$250.00} bonus if you open a checking account before XXXX XXXX. I opened a checking account online on XXXX XXXX, one day prior to deadline. The same day I received a welcome email indicating I would receive the bonus. Wells Fargo refuses to issue bonus even though I met the terms claiming I did not open account in time. This is false as I opened on XXXX XXXX. Please see attached documentation from Wells Fargo in email showing I opened my account before the deadline. I funded the account with {$50.00} which is twice as much as required. I ask that Wells Fargo issue bonus as promised otherwise they are falsely advertising. I have contact Wells Fargo on XXXX and they refuse to do anything claiming I did not open account in time. My account was opened before the deadline.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax over 10 times for them to find my credit file. They have told me each time that they can not find my file and they instructed me to mail in a copy of my Social Security Number and my Drivers License to update the information I have on file, which I did XX/XX/2024. I've called multiple times and they let me know my file would take up to 30 days to update. Yesterday I received a letter from Equifax stating that my credit report was not found because I either don't have a Social Security Number, I don't have active credit or I don't live in the US which all are not true. They asked me to send in a copy of my Social Security Card, and Drivers License which I have already done as well. When I call they ask me to ensure my lenders are reporting my information to all three credit bureaus and I've called XXXX and XXXX XXXX and they both confirmed they send all my information to the XXXX credit bureaus. I'm frustrated as they continue to tell me to do the same thing and give me no new options on how to fix this. I have done everything they've advised me and as I am in the process of getting pre-approved for a mortgage loan this has greatly affected my timeline and interest rate.Both XXXX and XXXX have my credit report so this is an issue with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX to ask if this company can provide a valid document with my signature of consent to a unauthorized inquiry and unfortunately this company can not produce any such documents to prove their previous statements are factually sound. 

Their has been no application for credit with my name signed on it or any request for credit, employment, insurance, or any sort of financial assistance I consented to which is required to apply a inquiry on a consumer report. 

The documents presented on the CFPB  website is useless if this is their means of explaining their permissible purpose because unfortunately even with a purpose XXXX can not show one form of consent in writing or Electronically giving. 

I ask that this inquiry is immediately removed if XXXX can not provide the proper documentation/ and if they do not have it then XXXX need to ask the companies they sited in their reply for a copy to be once again factually sound. 

Or I will be force to sue XXXX for current inquiries and past inquiry violations they also can not show proof of. 

{$1000.00} per inquiry past and present.
Product: Credit card or prepaid card

I am responding to request for feedback regarding ID XXXX - XXXX for I could not get your web site to function. This edited letter was sent to Citi Bank on XX/XX/XXXX : Note to CFP difficult to read. What does " Citibank can attempt to obtain a credit on your behalf by returned the charge to the merchant 's bank : however ... '' even mean? Documentation of our canceled flight on XX/XX/XXXX and flights for the foreseeable future has been sent to you many times. Is there a marketable item such as a non refundable ticket for a non existent flight? Additionally, because we disagreed with your resolution, you apparently reported us to XXXX, XXXX  and XXXX  even though all disputed funds were extracted through " autopay '', completely at your discretion, from our personal checking account. What senseless bullying - hardly reflective of a respected financial institution. 
Hoping for some comprehensive resolution here, XXXX
Product: Mortgage

Good afternoon, This complaint is against FCI Lender Services , Inc . The escrow was delayed because of the Buyers getting approval for the Loan. The first XXXX payoff requests were ordered and received within one day. Now, the escrow officer has called numerous times and has been waiting for 5 days. They are waiting for the Final Update and the transaction has funded and recorded. The Escrow officer is being told that they are waiting for the Lender to sign off on the demand. In the meantime there are exorbitant fee 's of {$200.00} per day being accrued. What is the delay? 
Thank you, XXXX XXXX XXXX
Product: Debt collection

I was on a payment agreement set up by attorney XXXX XXXX XXXX # XXXX for an account that I never got the opportunity to have validated original creditor was Synchrony Bank, but they served me papers and threatened putting a lien on my house so my wife insisted we start paying. The {$160.00} payment was automatically taken out of our account biweekly and XXXX XXXX stated he would call me when it was time to renew the auto debit. He or his office did not. My wife noticed the payment was not taken out of our joint account and assumed I used my personal account to make payments. 3 months later of no payments and 14 messages left for this attorney I finally get someone who will talk about my case. I was told XXXX XXXX filed a wage garnishment against me for non payment and even if I paid the {$4000.00} balance they would not stop the wage garnishment. I demanded to have XXXX call me immediately and when he did not only did he use profanity, call me out of my name, talk down on my ethnicity, when I told him it was illegal to take money from me in excess of what was owed he told me he can and will do whatever the XXXX he wants to do and slammed the phone hanging up on me! 5 days later I get a wage garnishment in the mail from XXXX XXXX XXXX XXXX and I object it with the court. The paper states I have 14 days to dispute it. I had {$690.00} garnished from my paycheck exactly 8 days after this attorney refused to stop the garnishment if I paid the balance in full, was vulgar and unprofessional and hung up on me. I contacted the court who stated my 14 days has expired and this attorney served me the papers later than he should have. I contacted Synchrony Bank who would not help and referred me back to XXXX XXXX XXXX at XXXX XXXX. My wife and I called repeatedly over several days and left messages and got no return calls, my wife emailed and got No reply. How is this legal to talk to someone like this, threaten them, use such vulgar language and tell me they can make me pay double on an unverified debt??
Product: Debt collection

On or around XX/XX/XXXX, I learned XXXX/XXXX  has been reporting inaccurate information to the credit bureaus about me. I filed an identity fraud dispute with the bureaus. The bureaus sent notice to XXXX requesting XXXX to show the debt belongs to me and that it is valid. XXXX could not produce such evidence. Instead, XXXX doubled down on its false reporting by claiming, without any evidence whatsoever that I made payments to XXXX on the debt in XXXX and XXXX, and that I became delinquent in XXXX. I have never made any payments to XXXX since ( 1 ) the account is fraudulent and ( 2 ) I knew nothing about the existence of the the account until XXXX of this year. 

I am certain that others have filed complaints about XXXX deceiving business practice and refusal to comply with federal law relating to reporting false information and identity theft.
Product: Credit card

In late XXXX, I applied for a XXXX XXXX credit card from U.S. Bank. It advertised that for cardholders, the last night of each XXXX XXXX hotel award stay is free. I signed up for the credit card with that benefit as my primary motivation. Then, about a month after I received the card and after they charged me a {$75.00} annual fee for the benefit, U.S. Bank announced they 're no longer offer the last award night free benefit. I think that 's extremely deceptive. I called in to say how disappointed I was and see if U.S. Bank is offering compensation. They offered me XXXX XXXX XXXX points, which is next to nothing. For reference, the closest XXXX XXXX hotel to me in New Jersey is charging either {$100.00} or XXXX points for a room tonight. That 's a value of approximately {$0.00} per point. That would mean XXXX points is worth {$7.00}. That 's not even close to fair compensation for a benefit worth a free hotel nights ; a benefit that I already paid for through the annual fee.
Product: Debt collection

TRANSWORLD SYSTEMS, Debt collector continues to call multiple times daily, 3 weeks after debt was paid.
Product: Debt collection

Im member of XXXX because I have a problem with previous preaching happened with XXXX XXXX, XXXX, and XXXX. On those three Im one of them. On XX/XX/XXXX. 2020 collection agency name diversified adjustments appeared negative item on my credit file Without Out Notified me or give the right to dispute latter. in three credit bureaus and my score went down by 50points. I contacted to the agency I stated that they violated my right to dispute, after that called to the agency my calls went to voice mail and they go the name by quality insurance. Since I didnt get any latter or call from them, I feel they violated my right to dispute .Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian several times in regards to this inaccurate reporting and they keep sending me letters stating account has been verified. However how can this account be verified when this is a charge-off reporting as open? This is a direct violation of my rights due to inaccurate reporting after they have supposedly conducted an investigation claiming everything is 100 % accurate. They are also reaging this account another violation of FCRA 623 ( 5 ). I demand this account be deleted immediately. It is your duty to make sure they are following the law and attached is the proof of the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 35 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 35 days is a reason to remove those things off my credit report immediately. It has been over 60 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the XXXX data breach, and it may have got into the wrong hands.
Product: Checking or savings account

On XX/XX/ I opened an account at the bank in WI with the offer which was sent to my address. According to the offer the savings account should be opened for at least 90 days and funded with XXXX. This was met my mid XXXX however the {$200.00} bonus to be credited to account was not there. 
When I called the customer service phone number given to me at the branch XXXX the CSR told me that she's unfamiliar with the offer and the product listed. I then was transferred to the supervisor who told me that the branch manager who opened the account did not put a proper code indicating the offer to begin with. 
When I called a branch I was told that the manager who opened an account is not present and will be available next week. 
Here are two issues : 1 ) why is the Associated Bank so unprofessional in its performance when first the employees are not properly trained to recognize their own products and the offers? 
2 ) Why the branch manager in XXXX XXXX, WI who opened the account did not put a proper code to the account? Was it a simple oversight or on purpose to make sure the offer is not fulfilled? 

It is my impression now that I am required to get myself involved in a long administrative process to finally get the {$200.00} bonus applied which is very inappropriate and tiresome as I am traveling out of the country for extended stay soon. 
This is not the way to treat customers.
Product: Consumer Loan

I have two issues with One Main Financial. First, I applied for a deferment in XXXX 2016 with the Branch Manager and was under the impression the deferment was approved and was given paperwork stating that my next payment would be XXXX/XXXX/2016. After that date, I was told my deferment was not approved and I needed to make a payment. In late XXXX 2016, I was told I could refinance the loan and was asked if they could run my credit. I agreed and about 4 questions later, I was asked my work phone number that I did not have available at that time. I thought that since I did not call them back with my work number and I paid the past due amount, the loan would not be processed. Last week, I received a call asking if I still wanted to process the loan and I said " no. '' The same day, I also received a letter from One Main indicating they had processed my loan anyway. Today, I got a denial letter from them. 

My questions are, how can they process an incomplete application which I asked them not to process? 

Also, how can they give me paperwork indicating my initial deferment was approved and then say it was n't after the due date and then demand money? 

Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I am a victim of Identity Theft which i believe came from XXXX Data Breach. I filed an FTC Identity Theft Report XXXX. I recently received a copy of my credit report from Transunion and XXXX. Both credit report showed credit inquiries that I did not authorize. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please see attachment with the list of inquires.
Product: Mortgage

My house is being foreclosed on by a mortgage servicer ( Green Tree Servicing LLC ). 
The mortgage was dismissed in my chapter XXXX bankruptcy. 
They are saying that they have a security deed for the property. Also in my state of Georgia a servicer can not foreclose. My sale day is XXXX/XXXX/2015. 


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Product: Bank account or service

On XXXX XXXX, XXXX a direct deposit of {$200.00} was made into my account within minutes of the deposit my account was hacked. The hacker attempted to transfer {$220.00} from my account by XXXX separate transactions. I immediately called American Express customer services, reported the pending fund transfer. I was then transferred to investigations, answered all their questions, changed secured question, password, etc. I was told the matter would be investigated and someone would contact me in a few days. Although I reported the hacking immediately while the transaction was still pending, American Express proceeded to transfer the money to the hacker! 
I waited until XXXX XXXX, XXXX before calling American Express again. This time when I called, I was told oh they should n't have told you that an investigation takes XXXX-10 business days from the date of the incident. So on XXXX XXXX, XXXX I called again to check on the status of the investigation and get an answer as to why my {$220.00} was still being held. Now American Express is saying that the investigation takes 45 business days!!