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

I am writing to formally dispute the reporting and handling of my XXXX account ( Account XXXX XXXX XXXXXXXX ) due to inaccuracies, unauthorized actions, and violations of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Dispute : Inaccurate Reporting of Late Payments : My credit report reflects late payments ( 30, 60, and 90 days ) on this account, which is incorrect. I have never missed a payment, and the account was paid on time. The continued reporting of late payments is inaccurate and damaging to my creditworthiness. 

Account Closure and Misrepresentation : The account was closed by the creditor with comments stating it was canceled by credit grantor due to inactivity. However, this does not accurately reflect the circumstances as I have maintained consistent payment activity. 

Unauthorized Auto Payments Post-Closure : Despite the account being marked as closed, XXXX continues to deduct payments from my bank account. This action is unauthorized, deceptive, and contrary to the terms of the agreement for a closed account. 

Violation of Consumer Protection Laws : Under the FCRA ( 15 U.S.C. 1681s-2 ), furnishers of credit information are required to ensure accurate reporting. XXXX continued reporting of late payments and improper account closure violates this obligation. 
Under the Electronic Fund Transfer Act ( EFTA, 15 U.S.C. 1693 ), unauthorized deductions from my bank account after account closure constitute a violation of my rights.

The Truth in Lending Act ( TILA, 15 U.S.C. 1601 ) ensures transparency and fairness in account terms, which has been undermined by XXXX actions.
Product: Credit card or prepaid card

On XX/XX/2020 I am sitting on my couch when XXXX, which is a food delivery company in the XXXX charged my card {$66.00}. I immediately cancelled my card and contacted XXXX. After days on me trying to get answers and being unable to contact the card holder CARD.COM to get info on my money back due to them being short staffed from covid. XXXX finally responded back and told me they flagged the account that my card was used on for fraud but stated I had to get the money back from card.com. 

I am reporting card.com because after speaking with a representative in the fraud department she told me it is not their job to provide security for their cards. They are a business and they provide a service. They feel like I should have been better and not ordered someone food in the XXXX. I told her there is no way I am just sitting on my couch in America ordering food for people in the XXXX. 

I think the American people should know that CARD.COM doesn't feel like they have to provide card security while holding our money on their platform.
Product: Credit card or prepaid card

Hello at the sams club I inquired about renewing a membership. The customer service representative said that I qualified for a free 2 year membership and that because I was already Pre approved I would not get a hard credit inquiry on my credit report. She asked me to enter in my social security number into the system. I did and I got my membership. I later found out that that was a lie because My credit report shows the hard inquiry. I talked to the head manager at the location and he reported the incident to the credit card company and said that he talked to the representative who lied to me. I received a letter back from the sams credit card department and they told me that it was a legal inquiry. I am upset about this because I had no need for another credit card and the inquiry lowered my credit score. I believe these representatives get some type of commission for signing up people to the credit cards so they would lie directly to customers faces just to get the commission. Please help.
Product: Debt collection

My husband and I keep receiving debt collection calls and correspondence for XXXX XXXX from Midland Credit Management. We have advised them in writing twice prior that we do not know who this person is and asked them to stop contacting us.
Product: Debt collection

I need Arbitration or a Judge to resolve the following situation : On XX/XX/XXXX, I purchased a XXXX XXXX totaling {$4200.00}. XXXX XXXX  and XXXX was authorized to pay {$180.00} for 24 months. 
From XXXX, XXXX until XXXX, XXXX, this account was setup for automatic repayment by XXXX. 
During this period, XXXX bank paid XXXX each month, sometimes twice a month to Comenity bank. 
In early XXXX, I kept getting bills from Comenity Bank and one final payment was required by XXXX. 
In other words, as of XX/XX/XXXX, a balance of {$140.00} remained for complete debt repayment. 
Since XXXX was changing name to XXXX between XXXX an XXXX, XXXX, I assumed XXXX was responsible for the final payment. 
While trying to resolve the last payment, I found that Comenity never requested a {$180.00} payment in XX/XX/XXXX. 
Furthermore, because of late fees and a XX/XX/XXXX bill, Comenity charged me over {$1500.00} for Finance and Other charges. 
I never anticipated any late payments by XXXX. 
On XX/XX/XXXX during a three-way call with Comenity, XXXX and myself, I authorized another payment of {$350.00} per Comenity 's request.

Currently, after many phone calls and letters, neither bank claims responsibility for late fees.

Comenity keeps sending bills and my credit rating has gone from Excellent to XXXX XXXX XXXX XXXX XXXX, I can not afford these charges I need some explanation or help with this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Experian : XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$1900.00} XXXX XXXX XXXX CARD XXXX XXXX {$0.00} XXXX XXXXXXXX Balance {$2800.00} XXXX : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$2800.00}
Product: Mortgage

Bank of America granted a home equity loan on my property on XX/XX/XXXX with an appraisal and full underwriting requirements met. In XX/XX/XXXXthey notified me that the account would be blocked and they would only accept principal payments and interest. They would not re-advance any funds to the original loan amount. I had paid over {$8000.00} additional principal by XX/XX/XXXX ( I have paid and additional {$16000.00} since then ) and none of this I could use if ever I needed it. I was told I could get it re-instated if I provided comparable sales information to refute their claim of a value drop of 44 % in one year three months. Insurance, city assessed value, first mortgage holder, all have increased value or stayed the same. Now BOA say I can only be re-instated if I go through the entire underwriting process and have my rate increased. 
I went to another bank to replace the BOA Equity line and they agreed to loan it to me. My problem is that Bank of America says that because they had it in their original agreement with me that they want {$450.00} penalty to allow me to pay it off in total. I was never late on this or in any dealings with BOA, I have savings with them but even though they will not fulfill their obligation under the loan terms they expect me to have to pay a penalty. I think they should either waive the penalty or live up to the terms of the original loan. I have sent a letter to their executive relations department in North Carolina requesting this solution and I await their response. I spent over three hours with 6 of their customer service department, only to be told that nothing can be done because it's " policy of the bank ''.
Product: Credit card or prepaid card

I was behind on my Discover card, was unemployed, and XXXX offered a payment plan to fit your needs ( what you could pay without not paying at all ). At first it was {$60.00}, then it went to {$70.00} and then it was an amount they had not discussed with me, and I had my payment set up for auto pay so that I would n't get behind on the payment plan. Well, I got a statement and I was told that the min. payment had gone up and that 's why I was so the past due amount was high. 

The second thing is, when I did the payment plan option, it ask you to choose a date. I chose the XXXX and then the XXXX. Well Discover does not tell you that even though you are on a payment plan, with a different date, that they report to the credit bureaus that your payment is late. So even though you are paying on time with the payment plan in place, it 's not reflected to the credit reporting agencies and this is wrong and unethical. I have been paying that bill on the XXXX and later on the XXXX with NO KNOWLEDGE of my payment being reported as LATE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! This ridiculous! I chatted with a Discover rep today, XXXX and she said that it 's not told to cardholders who do the payment plans. Have them pull that chat for today 's date about 5 min ago and you can read it for yourself. I want my late reports removed immediately!!!!!!!! This is not fair. Very unethical.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm ( s ).
Product: Vehicle loan or lease

I originally bought a XXXXXXXX XXXX in XX/XX/2015. The original price of th car was {$19000.00} which includes the tax for the vehicle. The monthly payments for the vehicle is {$470.00} after 3 years of paying I called XXXX XXXX XXXX   to find out what is the estimated pay off for the vehicle only to find out that I still owe {$19000.00} roughly. In calling to get an explanation all I recieved is rude and short answers like, " this is what you agreed to. ' Also the representatives have hung up on me on severall ocassions in me trying to figure out what kind of sense does it make for me to owe as much as I originally financed for the car. In doing the math I have already paid over 16,000 to this company. I do understand that interest is involved in loans so I do not expect to pay exactly what I have financed but at this rate it looks like they expect me to pay close to 40,000 on a compact car. I can not see how this can be legal. In fact, I am not even sure if a loan of this nature is even legal. can you please look into this for me. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX 
In accordance with the fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 crime which antedates the report by more than 7 years 15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I RECENTLY FILED DISPUTE OF MY CONCERNED INTEREST IN MY PERSONAL AND PRIVATE ACCOUNT INFORMATION BEING SHARED BY TransUnion and XXXX XXXX AND DEMANDED FOR THE SAFETY OF POSSIBLE IDENTY THEFT, FRAUD, OR OTHER BREACHES AND EXTORTION RISK THAT I EXERCISE MY RIGHT TO PRIVACY AND OPT OUT OF XX/XX/XXXXXXXX SHARING MY PRIVATE AND PERSONAL ACCOUNT TRANSACTIONS, EXPERIENCES, HISTORY AND RECORD WITH ANY CONSUMER REPORTING AGENCIES. THEY'RE ATTEMPTING TO CREATE DISTRESS, MISINFORMATION, ABUSIVE DEBT COLLECTIONS, MISREPRESENTATION OF CHARACTER, FINANCIAL INJURY AND RISK EXPOSURE OF DISCRIMINATION AND ID THEFT OF PRIVATE INFORMATION. I DEMANDED UNLESS THEY CAN WARRANT OR GUARANTEE THE SAFETY OF MY INFORMATION TO WHICH I BURDEN NO RISK FROM THEIR ACTIVITIES THEN THEY ARE TO CEASE AND DESIST ALL SHARING AND REPORTING OF MY INFORMATION TO XXXX PARTIES, NON AFFILIATES AND CONSUMER REPORTING AGENCIES OR IN OTHER WORDS NON GOVERNMENT AGENCIES. 

XXXX XXXX continues to violate consumer protection laws against me and I am concerned that my private information isn't safe and is in danger of identity theft, fraud, and trafficking due to the sharing, storing and furnishing of my information. I requested to opt out of those activities including debt collection but XXXX XXXX continues to violate various transactional and privacy laws. I ask that the CFPB enforce actions against XXXX XXXX and its assigns, affiliates and non affiliates on handling my private accounts. Attached is demand affidavit and agreement. FCRA 15 U.S. Code 1681b ( a ) 2 Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

15 U.S. Code 1692a - Definitions ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

15 U.S. Code 1681a - Definitions ; rules of construction ( 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 ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with a mortgage lender who indicates that I have a higher rate quoted because my credit score is low. XXXX and XXXX have updated the scores on my reports, but XXXX ( who the lender obtained the report from ) has not updated my credit score/report since XXXX which has impacted my loan rate. 

I logged in and obtained a screenshot for your review- there is no valid reason why my score/report is/has not been updated in over 5 months and now I have to pay a higher mortgage rate with my lender for a property I'm obtaining. 

I will NOT tolerate this!
Product: Credit card

Please review the attached documents. I want the bureau to start investigating these accounts, as they falsely report me as late despite my timely payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  X/X/2017   , TransUnion received my certified request dated  XX/XX/2017.  The request was to investigate several inaccuracies appearing on my credit file. In addition, pursuant to Fair Credit Reporting Act , 15  U.S.C . 1681g, I request ed disclosure of documents recorded and retained in their file  ( s )  at the time of this request concerning the accounts being reported in my credit report.    Three  additional certified requests were made regarding their investigation. It has now been more than FORTY days since that initial request. I have received NO updates, documents or any other information regarding the inaccuracies. To date, the items still remain in my credit file.   I have sent a fifth request via certified mail advising TransUnion of their willful violations of the law yet they continue to ignore or be willfully negligent of my request and the law.
Product: Mortgage

On XXXX XXXX my mortgage servicing company changed from XXXX XXXX to Selene Finance. My XXXX mortgage payment was drafted by XXXX XXXX on XXXX XXXX and is reflected on my Selene Finance Account as received on XXXX XXXX. On XXXX XXXX, Selene Finance withdrew {$2100.00} from my bank account without my authorization. My wife and I had not even signed up for automatic payments on the Selene Finance website. Also, during the transfer of mortgage servicing providers, Selene Finance did not receive documentation regarding my VA loan and sent a letter to me stating that I must have insurance for the full amount of the loan. They either did not receive the VA documents detailing what I am responsible for insuring or they disregarded them. Finally, the Selene Finance website states that my next mortgage payment is due on XXXX XXXX, which is incorrect as my mortgage has always been due on the XXXX of each month. By law, Selene Finance can not change anything with my mortgage agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid all of my XXXX overpayments as well as having all my student loans paid off, but transunion is still reporting a balance, although XXXX and XXXX  is not. I am trying to obtain a mortgage, and this is gendering the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters were sent to both XXXX  and Transunion to dispute items on my credit report. Letter 1 also included a letter to XXXX after which the items in question were removed. The dates of letters were as follows : Letter 1 : XX/XX/XXXX Letter 2 : XX/XX/XXXX Letter 3 : XX/XX/XXXX Letter 4 : XX/XX/XXXX Letter 5 : XX/XX/XXXX XXXX  has yet to respond to any of my requests, including Letter 5 which I sent certified mail and received a signed return receipt on XX/XX/XXXX. I have seen some items removed indicating some sort of response, but never any investigation results or copies of my credit reports sent to me directly. The items that remain have yet to be properly verified. This is clearly a violation of my rights according to the FCRA and I am demanding these items be removed immediately. 

Transunion 's only response was that I supplied insufficient ID. I then supplied my ID, social security card, and proof of address that are all accurate and up to date. I have yet to receive notice that an investigation was started or see any results of an investigation. This is also a clear violation of my rights per the FCRA and I am demanding these items be removed immediately as well. 

Equifax removed all the items after letter 1 due to not being able to verify their accuracy. I find it hard to believe that the same data furnisher could not verify the items with one credit bureau but could with the other two.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempts to contact and resolve the removal of paid items from my consumer credit report have been unsuccessful. Debts either do not belong to me or have been paid in full. I am requesting that they be completely removed from all three credit bureaus. There should be no delinquent or derogatory items listed. This is preventing me from being able to purchase a home, and I have been denied a home loan twice. See items below : 1. ( Money Recovery Nationwide ) XXXX XXXX ( 3 accounts as follows ) : 1. {$750.00} 2. {$360.00} 3. {$220.00} 2. ( XXXX XXXX ) XXXX XXXX ( accounts ) 1. {$210.00} 2. {$340.00}
Product: Money transfer, virtual currency, or money service

This complaint is about Klarna, and it is very serious. Consistently Klarna tells its users that its has about {$1300.00} is credit but only ever allows it to spend just under {$300.00} over time no matter whether one has excellent payment history, pays early, has excellent credit rating. It's a scam. When you ask digital customer service what the problem is, they just say " guess you just have to keep trying. '' The policy is not clear. Klarna consistently demonstrates false advertising of a WAY higher credit it will let you use than what is real. Please thoroughly investigate them and ensure that they are much, much, much more transparent!! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly contacted XXXX  in regards to opening my account. They have told me I need to contact creditor. Creditor informed me that they are reporting monthly as account being opened. XXXX  has yet to update my Victoria Secret account as opened. They are reporting closed. I contacted them almost everyday until XXXX XXXX  reported on XX/XX/2020 but XXXX  still have it listed as closed. XXXX  hardly updates account and dont provide the correct credit score according to the scoring model.
Product: Credit reporting or other personal consumer reports

After reviewing my Consumer Credit Report, I observed that your agency is in violation of multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) related to the furnishing of reports in credit or insurance transactions not initiated by the consumer ( Inquiries ). According to the mentioned code : A consumer reporting agency can only provide a consumer report in connection with a credit or insurance transaction not initiated by the consumer if : ( A ) the consumer authorizes the agency to provide the report, or ( B ) ( i ) the transaction involves a firm offer of credit or insurance. 
Furthermore, regarding inquiries, a consumer reporting agency is prohibited from furnishing a record of inquiries in connection with a credit or insurance transaction not initiated by the consumer, except as provided in section 1681g ( a ) ( 5 ) of this title. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), in the case of liability for obtaining a consumer report under false pretenses or without a permissible purpose, the consumer is entitled to actual damages or {$1000.00}, whichever is greater, and punitive damages as allowed by the court. 

I did not initiate any of these inquiries, and if you believe otherwise, please provide copies of my written signature giving consent to this matter.

I request the removal of the items listed below from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

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 XXXX XXXX XXXX Under 15 US Code 1681n ( b ), I believe a natural person 's civil liability has been violated. We have already reported this matter to the Complaint portals of the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

For any questions or additional information, please contact me at the address listed above.