23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received an offer for a Balance transfer at no interest for 19 months with a 1 % upfront fee from Comenity Bank with which I had an existing account. 

I took them up on the offer and had {$1000.00} transferred two times to another card. For the third transfer ( to the same card as the prior XXXX transfers ) I arranged for a {$7000.00} balance transfer, Comenity accepted the transfer request, however they then refused to complete the transaction by only vaguely stating that there was a " processing error ''. 
I spoke with at least XXXX people at this bank including XXXX supervisors and asked that they clear up the " processing error '' and abide the agreement. 

They refuse to live up to a valid offer and acceptance.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account listed on my credit report that I believe should be removed. Under the Fair Credit Reporting Act ( 15 USC 1681 ), I have the right to dispute any information that I believe is incorrect. 

The details of the account in question are as follows : - **Creditors Name** : XXXX XXXX - **Account Number** : XXXX - **Reason for Dispute** : This account has been paid off, and the creditor has agreed to delete it from my credit report. Under **15 USC 1681a**, I am entitled to accurate and complete information in my credit report. The continued reporting of this account violates my rights under the Fair Credit Reporting Act. 

Additionally, under **15 USC 1681e**, consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. The reporting of an account that has been paid off undermines this requirement. Furthermore, under **15 USC 1681s-2**, furnishers of information, such as XXXX XXXX, have obligations to provide accurate and complete information. If they have agreed to delete this account, it should no longer appear on my credit report. 

If you are unable to validate the status of this account or confirm its deletion within 30 days, I request that it be removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Tx XXXX To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit 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 Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL 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.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definitions : Consumers means an individual.

Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer.

Delete the above accounts from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Credit card or prepaid card

Recently, I XXXX XXXX was denied an extension of credit by Macy 's On XX/XX/2022 you submitted credit card refrenece number XXXX, I applied for Macy 's American Express Card. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Macy 's has violated my federally protected consumer rights : 1. 15 U.S Code 1642- No credit card shall be issued except in response to a request or application therefor. This prohibition does not apply to the issuance of a credit card in renewal of, or in substitution for, an accepted credit card.

2. 15 U.S Code 1681M 3. 12 CFR 1002- A refusal to grant credit in substantially the amount or on substantially the terms requested in an application unless the creditor makes a counteroffer ( to grant credit in a
different amount or on other terms ) and the applicant uses or expressly accepts the credit offered 4. 15 U.S. Code 1691-It shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction. I spoke with someone at the company and they asked me questions to verify my identity and still received a letter.

Since the letter you sent me dated 2/11/2022 is both a proof and evidence that I have been discriminated against, you are also criminally liable. Macy 's should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting or other personal consumer reports

This is my numeorus requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX  XXXX Balance : {$8900.00XXXX XXXX XXXX  Balance : {$2800.00} XXXX XXXX Balance : {$820.00} XXXX XXXX Balance : {$2600.00}
Product: Credit reporting or other personal consumer reports

Violation of Consumer Rights under 15 U.S. Code 1681c-2 I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the reporting of an account on my credit report that has been formally reported as an incident of identity theft. As a consumer, I believe that my rights, as outlined in 15 U.S. Code 1681c-2, are being violated, and I am seeking your prompt assistance in resolving this matter.
Product: Credit reporting

My credit report is saying that I have XXXX accounts and I only have XXXX accounts opened and they say I have XXXX accounts opened. The report also says that I have XXXX derogatory remark and I do not know who it is from or how to fix the issue.
Product: Credit reporting or other personal consumer reports

My account with the company has always been in good standing, and I have never been late with a payment. I have a stellar payment history with XXXX XXXX, with all payments set up on Autopay. The reported late payment is due to a systematic error on their part in processing my payment. 

This is a clear billing error by the company and does not reflect my actual payment history, which is a violation of USC Code 1681eb. This mistake has significantly harmed my reputation, character, lifestyle, and family.

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

The company is not in compliance with 15 USC 1666b, which outlines the requirements for treating a payment as late. They reported my payment as late without following the law.

According to 15 USC 1666b ( a ), a creditor can not consider a payment late if they have not adopted reasonable procedures to ensure that each periodic statement, including the information required by section 1637 ( b ), is sent to the consumer at least 21 days before the due date.

The company failed to send the periodic statement and the necessary disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date in good faith pursuant to rule 1002, but this proof was never provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

Please remove the late payments from my consumer reports.
Product: Debt collection

I had a scheduled phone call with PHH Mortgage senior manager of the ombudsman with Ms XXXX XXXX on XX/XX/2021 at XXXX XXXX  .Ms XXXX called me the first words from her is Mr XXXX what do you want? I started to explain and Ms XXXX started to raise her voice and was shouting at me you are a fraudster scammer. I told Ms. XXXX to stop before she said something she was going to regret. Ms XXXX is senior management and should have training to treat customers ' past or present with respect and dignity. Her tone was demeaning and cruel. Ombudsman is there to work through complaints not degrade the customer. 

XXXX XXXX
Product: Credit card or prepaid card

My mother died XXXX XX/XX/2018. On XXXX XX/XX/2018 I notified the credit card company to close the account which they agreed to asking me to submit a copy of her obituary. They said there was no need to wait for a death certificate. I complied. The outstanding balance was paid off and I believed all was complete. Her estate was due a refund of {$350.00} from XXXX XXXX and from them I requested a check. On XX/XX/2018 they deposited the refund to the Capital One credit card that I had closed on XX/XX/XXXX. Capital One accepted the deposit from XXXX XXXX. XXXX XXXX provided me a transaction number of XXXX. I called Capital One requesting a check for the amount and while they would not acknowledge the deposit they did say any money due would be refunded within 90 days. I called them twice but could not get details from them. This is the only outstanding event on my mother 's estate and I would like to be able to close her business but it has now been almost 120 days with no return of funds. I personally think they should have to include a 17 % to 25 % interest payment with the return since that is the normal interest charges for credit cards. Can you help me get this reconciled? Her account was listed as : XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX. The last statement I received from Capital One was dated XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX Credit Bureau regarding Inquires on my credit report. 

It has been well over 30 days and I have not received any investigation results from XXXX Credit Bureau, regarding the Inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle in XX/XX/XXXX from a car lot and less than a year later my loan was sold without my knowledge to another company. I have never signed papers with this company and had no knowledge of the sale until they called me saying I was delinquent. I also had never had the title to the vehicle in question as the original car lot requested that it be sent back to them. So I requested an address and payment information as well as the title from the new company and started making payments. I never did receive the title. Later in XX/XX/XXXX the vehicle in question was stolen. I filed a police report and called XXXX XXXX XXXX to inform them. I also advised them that I would continue working with police to find the vehicle but after it was located I would be doing a voluntary repossession to give them the vehicle back. The vehicle was found in XX/XX/XXXX and I was notified. I retrieved my belongings from the vehicle and called XXXX XXXX XXXX to retrieve their vehicle. I was then called two days later from the tow company that the car was indeed retrieved by XXXX XXXX XXXX. Almost two years later XXXX XXXX XXXX reported the vehicle to collections in the amount of {$5500.00}. I fought this account as non accurate and it was removed from my credit. On XX/XX/XXXX another collection named Security Credit Services showed up on my report for the same vehicle. I contacted the collection agency denying the debt and asked for all information about the original collector. All the collection agency would tell me was that it was from XXXX XXXX XXXX and it was over the Cobalt in question. Not only is it on the same vehicle that I do not have possession of, and haven't for many years, but the collection agency has 're aged ' the debt to reflect original debt from XX/XX/XXXX. This is inaccurate and I believe this is in violation of the Fair Credit Reporting Act. I ask that this account be immediately purged from my credit as well as the collection agency flagged. 
Security Credit Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Acct number : XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX I have also forwarded a copy of the police report to the collection agency as proof that the information is incorrect as well as the case number for the criminal that pled guilty to the theft, was convicted, and is now in DOC for said theft. 
I have not been able to get into contact with the original debtor due to no listing for their business anymore. I have not found an address, phone number, email, fax, nor a matching name while trying to get into contact with XXXX XXXX XXXX.
Product: Mortgage

I currently reside in our home that was purchased for XXXX in XXXX, and we applied to refi in the late XXXX 's and early XXXX 's for college loans and roof repair and unfortunately, unbeknown did not know that the lenders were predatory lenders who escalated our loan to double and now triple the amount to now XXXX! This Summer I was unemployed and unable to make payments for XXXX, XXXX, XXXX. Every week I would speak to a different person at XXXX and they would advise me on what to do and as I did so it was the wrong directions each time I spoke with a Seterus worker. I was told to send a payment of XXXX plus XXXX late charge in XX/XX/XXXX, by certified funds in which I did because there was a block on my account not to accept a personal check, From there I was told a payment plan could be worked out upon receiving those funds. However, the payment was returned the first week in XXXX and my house went into pre foreclosure on XXXX XXXX, XXXX. I happened to call and was told by another Seterus rep to pay XXXX prior to that and the next told me I could not make that payment because of the pre foreclosure status- I spoke with another Rep. he walked me through the modification app which was rejected because of previous modifications in XXXX, etc. I spoke to another Rep from Seterus and she said, " I was put on a re payment plan starting in XX/XX/XXXX, paying XXXX by the end of XXXX and each month until XX/XX/XXXX - Well, I received paper work that stated the repayment plan would be XXXX starting with the first payment due XX/XX/XXXX, instead of by the end of the month which would have given me more time and that's what I had planned for prior to the letter I received - which I think was unfair because the budget was set for the end of XXXX In addition, It must be paid the first of each month-not even the XXXX of the month - Our home is currently underwater and is only worth XXXX because of the predatory loan amount added on over the years which is now an outstanding amount of XXXX which should be reduced to the affordable amount. Not the predatory amount that is designed to put us out of our home after 24 years and continued increases by banks over the years and servicers making money. As a hard working person that was victimized almost 12 years ago I would like to see this predatory loan reduced so that we can afford to continue living in our home and not be foreclosed on and the repayment plan should have been more workable as was the first verbal agreement that was told for the end of each month and funds must be sent certified via XXXX XXXX to arrive the first of each month. I would like for this predatory loan to be reduced to a more affordable mortgage payment or the repayment plan to be more workable for each month. We worked hard to purchase our home and do not want to give it to the predatory lenders who have already made money off us-therefore, the house will continue to be in pre foreclosure status until XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a complaint regarding this issue why are you still not going anything regarding this issue I been sending my the dispute since last month here 's the lists XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year>
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$94.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX  Balance Owed : {$700.00} XXXX XXXX XXXX  Balance Owed : {$6100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
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. 

Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Debt collection

Creditors Bureau Association Placed a collection on my credit report as of XX/XX/2019 for an amount of {$1100.00} for XXXX XXXX XXXX XXXX which was opened in XX/XX/2019. I have never used this service nor taken by ambulance within this time frame. I have disputed this debt with XXXX XXXX because I believe it is fraudulent debt they are trying to place on my credit report that I do not owe.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-

2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXXXXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Upon checking XXXX XXXX I found an outstanding debt in the amount of {$480.00} dollars owed to a collections company for some type of service with XXXX XXXX XXXX XXXX. This debt occurred on XXXX XXXX, XXXX. Both XXXX and XXXX XXXX are showing this debt. I am trying to obtain information on the debt but I am having a difficult time.
Product: Debt collection

Sentry Credit , Inc sent me a text message in XX/XX/2024 for a debt I do not owe, and without any background other than saying it's about a debt. 
Hello! This is Sentry Credit , IncXXXX We would like to contact you via Text. Please call XXXX. This message is from a debt collector. Msg & dataratesmayapply. # of msgs vary. To opt-out reply STOP XXXX XXXX brushed it off because after looking them up and seeing that they do rental debt, it seemed incorrect since I do not owe any landlord money. I wasn't going to text back and be charged for something, I do not owe. I also live in a place with a time difference and do not have the time to call them and they seemed like a scam as I do not owe anyone money. 
I then received a collection letter today XX/XX/2024 ( more than 5 days from original contact ) for a debt I paid and have the receipt for from over a year ago! Now I am extremely worried my credit I worked so hard to raise is going to be affected by a false claim. 
I shouldn't have to spend time and money to defend myself on a debt that is false. It is false debt and now I have to spend money and time to send a dispute letter for a false claim which wasn't validated in the first place before they tried to claim I owe someone money. 
They didn't even list the correct name of the landlord.
Product: Debt collection

I received a letter asking for money to pay a debt I allegedly procured from XXXX. I have never dealt with XXXX, nor was any paperwork provided for this charge.