23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been constantly calling this company to get assistance on the website to make payments. The site is always malfunctioning and they tend to change the site link to make payments without notifying consumers. I called for assistance and notified the company about the issues and was given the runaround. No one seemed to be able to access my account. The company continued to charge me late fees even though it was due to their malfunctioning site that I could not make payments. I have two credit cards ( VERVE and XXXX ) and I feel that I was neglected as a customer. This has been going on since XXXX or XXXX of 2023. I finally became very ill around XXXX or XX/XX/year> and was unable to monitor and get this matter resolved. The XXXX card I am now finding out was closed 277 days ago because of the high balance. However, the card could not be paid on because of something on their end. I have asked for the number of the place that the account was charged off to and they do not have a number and stated that they do not have a number to provide yet. The VERVE card continued to receive money with a hold placed on it and no one knew why and stated that they asked for the hold to be lifted. The hold is still on it after being requested to be removed over two days before I filed the complaint. I was told that the hold takes 24 hours to be released and it has been longer than 24 hours. I am negatively impacted by this account and denied credit. It amazes me that companies can take money quickly and slowly correct their errors knowing it affects the credit of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account previously in dispute, Company failed to resolve. According to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original sign consumer contract and any and all accounts you post on the credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof and original consumers contract with my signature on it you have on file of the accounts listed below. XXXX failed to positively verify these accounts. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX The unverified items listed Above remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and it is correct. In the results of your first and second investigation you stated in writing that you verified that these items are being Reported correctly? Who verified these accounts? You have not provided me any copies of any original documentation required on the section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and a remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious to consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I also believe that another credit file have been mixed with mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND one other credit bureau has my wife listed with her name and someone else 's name ; the latter an erroneous name. when she attempted to remove it by disputing the item they refused to dispute it although two phone numbers were disputed and slated for removal.
Product: Mortgage

The Mortgage Electronic Registration System ( MERS ) shows that I have an active loan with Bank of America ; however, that loan was transferred and has been inactive since XX/XX/XXXX. I 'm in contract to purchase a home, which was supposed to close escrow on XX/XX/XXXX, but because Bank of America will not update MERS to show the prior loan as inactive, I am unable to secure a new loan.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX  XXXX XXXX XX/XX/XXXX inquiries XXXX XX/XX/XXXX personal information Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : OTHER
Product: Credit reporting or other personal consumer reports

I, have submitted multiple requests to opt out of information sharing with COMENITY BANK, and these requests have been denied and ignored, in violation of my legal rights. 
Timeline of Requests : First Request to COMENITY BANK : Submitted on XX/XX/2024, requesting to opt out of sharing my Credit Account, Transaction, and Non-Public Information. 
CFPB Request : Submitted on XX/XX/2024, following COMENITY BANK 's failure to comply with my initial request. This request was also denied and ignored. 
Legal Rights and Violations : Fair Credit Reporting Act ( FCRA ) : According to 15 USC 1681 section 602 ( a ), consumer reporting agencies must exercise responsibilities with fairness, impartiality, and respect for privacy. I have the right to ensure my private information is not shared without my consent.

Privacy Obligations ( 15 USC 6801 ) : Financial institutions must respect the privacy of customers and protect their nonpublic personal information. COMENITY BANK has failed to meet this obligation.

Consumer Consent ( 15 USC 1681 section 604 ( a ) ( 2 ) ) : Consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. COMENITY BANK does not have my written consent to share my information.

Nondisclosure Option ( 15 USC 6802 ( b ) ( c ) ) : Financial institutions must inform consumers of their right to opt out of sharing nonpublic personal information. COMENITY BANK did not inform me of this right.

Right to Opt Out ( 12 CFR 1016.7 ) : Consumers can exercise the right to opt out at any time. I have formally opted out of COMENITY BANK 's reporting services and sharing of my information.

Conclusion : COMENITY BANK 's denial and ignoring of my opt-out requests and failure to comply with the FCRA and other privacy laws necessitate further action. I have the right to report these violations to the Consumer Financial Protection Bureau ( CFPB ) for a formal investigation.

I am once again requesting COMENITY BANK to honor my rights and process my opt-out request as mandated by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my report from 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 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 and Navy Fcu XXXX XXXX XXXX XXXX all which I disputed because I didn't apply for those companies. I have even sent in letter for possible identity theft which all companies haven't responded to or said they would remove immediately
Product: Credit reporting or other personal consumer reports

Request for Deletion of Remark from Credit Report Due to Non-Compliance I am writing in follow-up to my previous request where I asked for validation of a debt you claim I owe, specifically requesting a copy of the original contract or agreement signed by me. As of today, I have not received the requested documentation that validates your claim. 

The accounts are as follows : XXXX XXXX for {$3000.00}, XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX {$990.00} In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I requested proof of the debt and my agreement with the original creditor. The FDCPA stipulates that debt collectors must provide debt validation upon a consumer 's request. Since I have not received satisfactory validation of this debt, including the absence of a signed contract, this casts doubt on the legitimacy of your claim and your authority to collect this debt. 

Moreover, the FCRA mandates accurate reporting of credit information. Reporting a debt that can not be validated is in violation of these standards. As such, I am formally requesting the immediate deletion of this remark from my credit report with all three major credit bureaus : XXXX, Equifax, and XXXX. 

If you fail to comply with this request and continue to report this unvalidated debt, it would be considered a violation of the FCRA, and I will take appropriate steps, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action to protect my rights. 

Please provide written confirmation of the deletion of this entry from my credit reports within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter. If you require any further information or have any questions, please feel free to contact me at [ Your Phone Number or Email ]. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have had an auto loan with Citizens Bank ( it is now paid off ). In XX/XX/XXXX I submitted a payment for the XXXX & XXXX loan amounts that were due, however, due to COVID and the XXXX holidays, I did not see the check being delivered or cashed by the Bank. When I called to check on status of the check being received on XX/XX/XXXX, I was informed that the payment was not yet received and it was reported as 30-days delinquent to XXXX. Immediately on the phone I processed a payment to bring the balance up to date, and two-days later the check was received and cashed by the Bank. 
Citizens Bank informed me that they were experiencing mail delivery delays due to the Holiday season and the effects of COVID 19. I asked the bank to remove the delinquent reporting since it negatively affected my credit score, and a dispute was initiate ( dispute # XXXX XXXX. In XX/XX/XXXX, I received an alert from XXXX  that the negative mark on my credit report was removed, only to find out few days later that it was re-instated and again resulted in a negative impact to my credit. 

One  would think that, especially during the COVID crisis, this Bank would work with its customer favorably, especially when no loan defaults occured and the Bank was 100 % made whole in a timely manner. 

Regards, XXXX XXXX https : //www.citizensbank.com/auto-loans/auto-finance.aspx
Product: Mortgage

I have submitted a number of affidavits and have established default on MIDLAND MORTGAGE MIDFIRST BANK ACCOUNT NUMBER XXXX for purloining indorsed bill Of exchange I have mailed to the service provider and they have rebutted with mailing siting the tender of payment I submitted is not recognized as legal tender and will not be accepted now or in the future as payment on loan. Midland Midfirst are the issuers of the bill, they mailed it to me, I inspected the principal amount and accepted it for deposit payable to bearer on demand paid in full. I tendered the presentment siting to transfer principals interest to principals account to set off and satisfy the account. Midland Mortgage Midfirst Bank are in tier XXXX XXXX per day violation Federal Reserve section 29
Product: Mortgage

I have contacted you --  XXXX   Fifth Third B ank -- our accountant emailed to them our taxes   XXXX   XXXX   they " ca n't find them '' I sent them again twice.     is this a scam to say they can not find the required documents & taxes???     very frustrating
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX XXXX XXXX made a mistake on the credit report and placed

two hard inquires on our credit reports and XXXX will not remove it they do don't believe me. I have given them a the letter XXXX XXXX XXXX and still they do not believe me. They need to be removed. It has hurt our credit more than XXXX points.
XXXX XXXX from XX/XX/19 and XX/XX/19 they are not and they have admitted to the mistake and the letter is included.
Product: Student loan

Transworld XXXX is servicing a debt collection for XXXX XXXX. They did not post the correct amount owed on my credit report for over 36 months, even as I was paying them hundreds of dollars a month to pay down my balance. I have never authorized them to call my office and have expressly denied allowing them to call my work number and yet they wo n't stop calling my office line, which may threaten my employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, United States Department of Education account number XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  account number XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX account number XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  account number XXXX has violated my rights. 


15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

Inform this law firm that the account did not belong to me Informed Dimand law firm that I do not reside in Illinois any more Inform the attorney that this matters was resolved with XXXX XXXX XXXX XXXX and it was removed from my credit report as fraud Still decided to sue me in XXXX XXXX XXXX for a debt I do not own Trying to sue me and collect income that is protected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and that income is protected and they are still pursuing me
Product: Credit reporting, credit repair services, or other personal consumer reports

My service for XXXX XXXX was cancelled on XX/XX/XXXX. I had been a customer with 100 % on time payments since XXXX. My final bill was paid through XX/XX/XXXX. I understood that there was a termination fee given I was XXXX days short of an equipment contract. 
I opened a dispute with my credit card company on XX/XX/XXXX for {$70.00} detailing the above. XXXX never disputed my claim. In a letter dated XX/XX/XXXX from Convergent Outsourcing I was informed that they were hired to collect a debt of {$150.00}. I responded to this with a certified letter requesting documentation of the amount due and copied XXXX as well. On XX/XX/XXXX I paid what I thought was my final payment to XXXX for {$88.00} for the early termination ( which also seemed incorrect. On XX/XX/XXXX I received a notice of debt from XXXX XXXX XXXX for {$70.00}. I requested the same information from them and still no response. On XXXX/XXXX/XXXX I was alerted to a negative credit item on my XXXX   credit report. I disputed it, sending all the documentation I have described. They closed it saying updated but no changes or explanation was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on my credit from XXXX XXXX XXXX XXXX. I was charged for a course I never took.
Product: Debt collection

XXXX claimed that I owed them XXXX possibly XX/XX/XXXX. After retaining funds from two banks accounts, along with the payment made XX/XX/XXXX. This debt was paid in full ( and then some. ) I received a letter today from Transworld Systems Inc. stating that I have a collection account due to non-payment. This is false information as this debt has been paid in full ( on 3 various transactions, through XXXX, XXXX XXXX, and XXXX. ) I also have the letter from XXXX XXXX, at XXXX stating this debt has been PAID IN FULL.
Product: Credit reporting

XXXX XXXX did hard inquiry on me, I have never heard of XXXX XXXX before. I have never contacted XXXX XXXX for any reason.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX are reporting information related to an account that should be excluded from my consumer report which is detailed in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRIES ON MY XXXX CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX Could Not Contact XXXXXXXX XXXX  - XX/XX/XXXX Could Not Contact Bank of America - XX/XX/XXXX Could Not Contact XXXX XXXX XXXX XX/XX/XXXX Could Not Contact I have an open complaint case ( # XXXX ) with XXXX Credit Bureau as of XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

First, I would like to comment on your application process. There does not appear to be a subject that I am complaining about?? 

My complaint is with Experion. They send me emails every other week to tell me my credit score has gone down or up. When I open the email, I find out the score goes up or down by XXXX point with marketing messages. I believe that they use a XXXX point change in credits scores to market additional services or products?? Is XXXX point something that really needs my attention as a consumer????
Product: Consumer Loan

This company has been very aggressive and have threatened to take legal action with lawyers including garnishing my wages, they gave me recently a deferment that I did not request, I called them last week to scheduled XXXX month over the phone and they wanted to charge me a fee to take my pay over the phone, I said that I will mail it them because I do n't want to pay more fees, they got mad at me and start threatening me again because they have already given me a deferment and I had to pay over the phone, I already put the check in the mail but my phone wo n't stop ringing. They can sometimes more than XXXX times during the day. This has happened many times, and even though we have been late with some of the payments, it 's my intention to pay, I have never denied payment, these people are very aggressive and rude and they and they have to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to fix the problem with TransUnion for a while. It started when I first got a credit card. Someone used my credit card fraudulently and without my knowledge and as a result they went over my credit limit. I fixed the problem with my credit card company. And when they fraudulently used my credit card and went over the limit my credit score went down from XXXX to XXXX. I asked TransUnion to fix the problem but they refuse. And since Ive been trying to fix this problem Im noticing that its impossible to fix my credit now with them. For example I paid a balance down and my credit score went down. Its supposed to go up not down. Ive been noticing someone is checking my credit hundreds of times without my knowledge and my credit score keeps going down. This is the last time I will try to deal with this before suing this company.
Product: Debt collection

On XX/XX/year> Discover Bank placed not only a lein on my home but they also placed a judgment against me. As of XX/XX/year>, I received a Certificate of Satisfied Judgment from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

However, I am still being garnished {$930.00} per paystub. The garnishments should'vde been discountiued. 

I've Included Proof of Garnishment from Discover Bank : {$870.00} on XX/XX/year> ( Garnished Wages ) {$870.00} on XX/XX/year> ( Garnished Wages ) {$3600.00} on XX/XX/year> ( Addtional Payment Via ACH ) {$870.00} on XX/XX/year> ( Garnished Wages ) {$930.00} on XX/XX/year> ( Garnished Wages ) I called and spoke with Discover Bank 's Customer Service Representatives and I stated that they are still garnishing me illegally AFTER the Certificate of Satisfied Judgment was filed via XXXX XXXX XXXX  XXXX. 

Discover Bank is still illegally withdrawling money by garnishing my wages without a court order or my permission, as our court appointment agreement has been fully satisfied. They are violating my consumer rights and it's causing detrimental stress to me. 

I need this problem solved immediately.
Product: Checking or savings account

On XX/XX/2023, Capital One bank froze my withdrawals out of my checking account. I have approximately {$300000.00} in the account which is pretty much all the money I have and they wouldn't give me any information as to why, when or how I would receive my funds, the investigation would take or why this was happening. They wouldn't give a timeline, a reason, or any resolution to get my funds out. All the funds deposited into my account were valid wire transfers from my partners account from the sale of a business. I never used the account for any suspicious transactions, i currently have XXXX credit cards with their bank, and verified my identity multiple times with them. This is the worst experience i ever had with a bank ever and i dont know why when i opened my account with Capital one, they asked me to fund the account and so I did, and XXXX month later, they held all my money. Pretty much a bait and switch robbery. Depost your money here and we will keep it and not give you any information.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Date Opened : XX/XX/2023 Balance : {$200.00}