23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

1. Comenity Bank violated Contract Law by closing, adversely reporting on, and then selling my ULTA consumer credit card account ( and all personal information tied to it ) to XXXX XXXX XXXX, thus bypassing the contracted Arbitration Clause. ( See attached ). 

2. Comenity Bank has caused damages to my person by falsely claiming the charged off credit card account caused damages to their company. This contradicts their companies XXXX0k, filed with Securities & Exchange Commission ( Commission file number 001-15749 ) wherein it states on page F-30 : " An asset-backed security is a security whose value and income payments are derived from and collateralized by a specified pool of underlying assets in our case, our credit card loans. The sale of the pool of underlying assets to general investors is accomplished through a securitization process. We regularly sell our credit card loans to our Trusts, which are consolidated. The liabilities of these consolidated VIEs include asset-backed securities for which creditors, or beneficial interest holders, do not have recourse to our general credit. '' 3. Comenity harmed me due to their failure to properly handle the custodial account. The account was supposed to be set-off by Comenitys trustee, with the initial promissory note that was securitized, thus funding the account. It was the trustees fiduciary duty to balance the books for the account, and pay the dividends owed to me from securitizing my receivables, monthly.

Per the Securities Exchange Act Rule 15c3-3 and Related Interpretations : 15c3-3 Customer protection - reserves and custody of securities.

15c3-3 ( a ) ( 1 ) The term customer shall mean any person from whom or on whose behalf a broker or dealer has received or acquired or holds funds or securities for the account of that person 15c3-3 ( a ) ( 1 ) /01 Customer/Non-Customer Classification Certain accounts shown on the books of the broker-dealer shall be classified as customer or non-customer as follows : Customer - A broker-dealer to the extent it maintains an account designated as Special Custody Account for the Exclusive Benefit of Customers of ( name of broker-dealer ) which meets the criteria described in interpretation 15c3-3 ( c ) ( 7 ) /01 ;
Product: Mortgage

I filed a complaint regarding Wells Fargo Home Mortgage a few weeks ago under Case # XXXX. Wells Fargo requested more time to investigate the matter. 
This on Monday XX/XX/XXXX a letter ( See Attached File ) from Wells Fargo was sent to me and it was back dated to XX/XX/XXXX. And it was sent to my previous address out of state. In the letter Wells Fargo states it regarding my previous application for home financing and not about current home and its a notice they should have sent XX/XX/XXXX. It 's the Notice of Action Taken and Statement of Reasons. They are stating I should have received this disclosure during that time but I did n't. This letter was for a previous property that I was trying to buy but the deal did n't happen due to a difficult seller. So we moved on to buying the new property which Wells Fargo holds my current mortgage. 
I believe once I made the complaint under Case # XXXX, Wells Fargo is trying to cover there tracks by back dating this letter and not trying to investigate my complaint properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit inquiry for was placed within my XXXX/Equifax credit file.
Product: Mortgage

I have an adjustable rate mortgage. Due to high interest rates I have been paying extra principal to reduce my interest charges. This has made the company upset and they have engaged in several acts to ensure that I pay more interest than they are entitled to. They consistently misapply payments. Hold payments in escrow for days before applying them, and using the funds to pay expenses that are due at payoff instead of using them to pay down the principal. 

The loan is scheduled for an interest rate change in XXXX with a new payment due on XX/XX/XXXX. In XXXX I received the notification of this change, with an anticipated principal balance of just over {$7000.00}. I made a principal reduction payment which reduced the principal balance on the account to {$4900.00} on XX/XX/XXXX. I called the company and asked them to update the required monthly payment and apply the new interest rate to my actual loan balance as of XX/XX/XXXX. This change would reduce my required monthly payment by about 50 %- which is important to me for my cash flow. 

The company has refused. Pretty much they have indicated that they do not care what the correct loan balance is on XX/XX/XXXX or XX/XX/XXXX- they are going to use the balance that they have selected to base the monthly payment calculation. Even though they are aware this information is correct. 

My loan balance is small but I this is obviously a pattern and practice of this company to use incorrect principal balances upon which to calculate monthly payments, without regard for the veracity of this data. This practice to lead to foreclosures, etc. especially in these times where cash flow is a big issue for most Americans. 

I just want this company to stop ripping off consumers and use accurate data to calculate the monthly payments for customers.
Product: Mortgage

I contact XXXX to help counselor me with process and they forwarded it to Penny Mac. I followed up with Penny MAC on Monday was told they have paperwork for XXXX was put on hold briefly a different pert came on call I was then told they I need to follow there instructions and they was accepting paperwork for XXXX that I need to do it directly. Im having problem with payment because I have been sick for several months and cant make payment. Before this made it to this point I reached out to Penny MAC for help they say I was current and they couldnt help but I was telling them I been ill for awhile but still had cash to make payment
Product: Checking or savings account

Hi so I had someone Venmo me some money since we both had an acct with them. Once the money went into my bank account they froze my account I sent in my ID and verified myself. It got unlocked and then later that night it locked again and said 7-10 business day this time. I waited. And now it says my account is SUSPENDED. All my money is on there XXXX that was my rent, car payment etc I am now facing eviction due to this mishaps for no reason when then is my money! I didnt do anything wrong I didnt violate any rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to consolidate my balance with synchrony bank. 
Walmart
Product: Mortgage

My mortgage company, Homebridege Financial Services , Inc. ( HFS ), claimed to pay my home insurance renewal fee to XXXX XXXX XXXX ( XXXX ) .The fee was {$830.00} and HFS claims to have paid the full amount of {$830.00} on XX/XX/2021. XXXX claims they received a payment from HFS of {$590.00} on XX/XX/2021. XXXX claims that there is a policy balance of {$230.00} and that I must pay for it since HFS did not. I have contacted both HFS and XXXX on several occasions to sort things out. Their accounts remain the same : HFS claims they paid {$830.00} ( the full amount ) to XXXX while XXXX claims that HFS only paid XXXX {$590.00} and that I owe the {$230.00} balance. Both companies have paperwork that backs up their respective claims.
Product: Credit reporting or other personal consumer reports

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system 15 US Code 1605 " Definition of a FINANCE CHARGE '' OFF OFF XXXX XXXX Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment and installments 15 US Code 1635 Right of Rescission The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting or other personal consumer reports

Im shocked and confused because this evening I saw inaccurate accounts on my credit report without any explanation. I always monitor my credit report, but this time there were sudden discrepancies. I even refreshed the page to see if it was just a technical issue, but nothing changed. The inaccurate accounts stayed on the report. I need the documents I sent to be reviewed carefully so I can stop stressing about this happening again.
Product: Credit card or prepaid card

We were notified that an XXXX XXXX credit card in wife 's name only was delivered by USPS to a former address. We did not apply for the card, however, our credit monitoring service recorded a hard credit inquiry from HSBC on XX/XX/XXXX. We have 7 year extended fraud alerts posted with all credit bureaus that don't expire until XX/XX/XXXX. Apparently HSBC Bank opened an unauthorized credit account or approved an application for credit without contacting us per the fraud alert statement. We contacted HSBC via the number on the back of the credit card and determined the account had a XXXX balance, advised them it was issued fraudulently, and requested they close it immediately, which they claim they did. We are unable to determine whether the account was initiated by HSBC themselves or by an identity thief ... they would not supply applicant information. Our main issue is that they opened the account without contacting us despite our long standing fraud alert statement with the credit bureaus ( we have maintained extended fraud alerts with all 3 credit bureaus for over 18 years ). And, by the way, HSBC customer service is horrible ... apparently utilizing foreign call service centers and workers with extremely poor English language skills.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated.

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. 


never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 and It was never provided. 


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


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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I did buy a home and get the loan, but the brokers do for me the process, they treat me very bad, I live in XXXX  XXXX XXXX, and buy the second home in XXXX XXXX, a second home and investment, the process is supposed take around 3 weeks or 4 to closing the buy, the make me do two time extensions and the second one I should pay because they do many mistakes with the application, actually they make me go to XXXX first time to make the closing house and when I was there they told me all papers not ready yet and I just back to XXXX  with not closing and for nothing, after two weeks they told me everything is ready this time and I went to XXXX for second time, And when I was there again told me some papers not yet that they do a mistake and again back to XXXX  with not closing, we do closing from XXXX  with a notary, but Im still very upset for everything they do for me, all I should pay and they didnt care anything from me, even I was trying be educated they didnt, make me had a lot stress for almost two months and make me waisted money and time. Hope you can help me to make this people dont do this again to anyone, they never treat me like a customer even they make money from me. Thanks
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX Account Number : XXXX Issue : unauthorized 2. Account Name : : XXXX  XXXX Account Number : XXXX Issue : unauthorized 3. Account Name : XXXX Account Number : XXXX Issue : unauthorized 4. Account Name : XXXX XXXX Account Number : XXXX Issue : unauthorized 5. Account Name : XXXX Account Number : XXXX Issue : unauthorized 6. Account Name : XXXX XXXX Account XXXX : XXXX Issue : unauthorized 7. Account Name : XXXX  XXXX Account Number : XXXX Issue : unauthorized 8. Account Name : XXXX XXXX  Account XXXX : XXXX ssue : unauthorized 9. Account Name : XXXX XXXX XXXX  Account Number : XXXX Issue : unauthorized 10.Account Name : XXXX XXXX  Account Number : XXXX Issue : unauthorized 11. Account XXXX : XXXX XXXX Account XXXX Issue : unauthorized 12. Account Name : XXXX Account NumberXXXX Issue : unauthorized 13. Account Name : XXXX  XXXX Account Number : XXXX Issue : unauthorized My rights have been violated 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I applied for financing for a dining room set with loan terms as follows : Purchase total {$1400.00} Total interest ( 29.90 % APR ) + {$230.00} Interest rebate - {$3.00} Total of payments {$1600.00} My last payment of XXXX was paid on XX/XX/XXXX. The creditor has not reported since XX/XX/XXXX but is still showing a balance of {$130.00} on my credit file. I filed a dispute with Experian Credit Bureau on XX/XX/XXXX. When I spoke to Experian on XX/XX/XXXX, they indicated that the creditor XXXX is still indicating that the balance is still {$130.00}. My account with XXXX is showing online as a balance of {$0.00} but they are still reporting a balance of {$130.00}, the account should also be reporting closed and paif in full. Please assist at your earliest. Thank you.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute an account reported by XXXX XXXX XXXX  that does not belong to me. This account is inaccurately listed on my credit reports with XXXX, XXXX, and TransUnion. 

Detailed Description of the Issue : Account Information : Creditor : XXXX XXXX XXXX  Account Number : XXXX Disputed Information : The account is reported as 60 days past due as of XX/XX/year> and 30 days past due as of XXXX and XX/XX/year>, with a balance of {$710.00}. 
Reason for Dispute : This account does not belong to me. The reported status and balance are incorrect. I have attached supporting documentation to verify that this account is not mine, including identity theft reports and police reports. 

Steps Taken to Resolve the Dispute : Dispute Letters Sent : On XX/XX/year>, I sent a dispute letter to XXXX, XXXX, and TransUnion requesting the removal of this account from my credit reports under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must conduct a reasonable investigation of disputed information. ( See attached documentation ) Responses Received : Despite providing evidence that the account does not belong to me, the credit bureaus did not remove the inaccurate information as required by 15 U.S.C. 1681i. 
Actions Taken by the Company : XXXX XXXX XXXX  has continued to report this account inaccurately, despite receiving proof that the account is not mine. 
The credit reporting agencies ( XXXX, XXXX, and TransUnion ) have failed to verify and correct the erroneous information after multiple disputes, in violation of their obligations under 15 U.S.C. 1681i.

Impact and Request for Resolution : The continued inaccurate reporting of this account has significantly impacted my credit score and my ability to obtain credit. The incorrect information suggests that I have a delinquent account, which is not the case.

Request for Resolution : I request that the CFPB assist in : Verifying that the account does not belong to me with XXXX XXXX XXXX  and XXXX credit reporting agencies as required by 15 U.S.C. 1681i. 
Removing the account from my credit reports with XXXX, XXXX, and TransUnion as mandated by 15 U.S.C. 1681i if it can not be verified. 
Ensuring that XXXX XXXX XXXX  ceases reporting this incorrect information to any credit reporting agencies under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), which allows consumers to request that debt collectors stop communication regarding disputed debts.
Product: Money transfer, virtual currency, or money service

RE : Unfair, Deceptive, or Abusive Acts or Practices ( UDAAPs ) Compliant against Bank of America We received a misleading letter from Bank of America on XX/XX/2023. Bank of America has engaged in Unfair practices by allowing Bank of America bank branches located in middle- and upper-income census tracts in majority white neighborhoods to stay open to serve their community. 

Example : XXXX XXXX XXXX, XXXX, TX XXXX ; Monday to Friday XXXX to XXXX and Saturday XXXX to XXXX ; Located in an upper income census tract ; XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ; Monday to Friday XXXX XXXX XXXX and Saturday XXXX to XXXX ; Located in a moderate-income census tract ; XXXXt : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ; Monday to Friday XXXX to XXXX and Saturday Closed ; Located in a low-income census tract ; XXXX  : XXXX Conclusion We appreciate this opportunity to file this complaint against Bank of America and would look forward to discussing a plan for Southern XXXX and be a leader in addressing inequality in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing these inquiries from my credit report. I spoke. The credit bureaus reps did not help me at all and told me to XXXX my answers. Please update and remove inquiries. 

XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Transunion : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX Inquiry Date XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Debt collection

I was notified that I had an account from XXXX on my credit report in XXXX. I had no idea that this account was opened in my name. Not only was is in my name but it was also in collections due to lack of payment. The last payment that was made on this account was in XXXX. I contacted the credit card company who's name is XXXX XXXX and they had no information in their system on me. They said the account was sold XXXX times and the final holder is Midland funding llc. I contacted Midland Funding and asked them for more information on this account and to please verify it by sending me a copy of the contract that I signed. The only thing that they sent was a copy of a bill coming from their company. The fee has now dropped by XXXX dollar. The amount they say I owe was {$810.00} which is now {$810.00}. I have attempted on numerous occasions to get a copy of the contract with my Identification in the form of a License and or identification card to validate their claim, they have not been willing to do so. Its been more than two months since my last correspondence with them. The young lady who's number I was told to contact is from an lawyers office XXXX XXXX XXXXXXXX is very rude and unprofessional. The only thing I kept telling her is that the bill is not mine and I need proof, she could'nt supply it. I am not willing to pay this bill or late charges due to me not be the one who opened this account. Please help