23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card as part of a promotion when I bought a timeshare from XXXX XXXX last May. I did not get approved for the credit card at that time but I was told that they will look into it. I received all timeshare documents and promotional materials from XXXX (via USPS and e-mail) but not a credit card or a credit card bill from them. Last week I received an email from my credit monitor that I have a new negative remark on my credit. My credit report shows an account for Comenity Capital XXXX with a balance of $XXXX. As of today I still have NEVER received a card or a single billing statement from Comenity. I honor all my credit obligations to the best of my ability. I am never delinquent and my very good credit score is a testament to that. However, without a statement or card number, how am I suppose to pay my bill? I made it clear when I applied for both timeshare and credit card that my mailing and billing address are the same. This is unfair and could be a violation of my rights under FCRA and FDCA.
Product: Mortgage

Originated refinancing with Mortgage Center NMLS # : XXXX on XX/XX/2020, still in underwriting, over 100 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been DISPUTED multiple times and it remains DISPUTED and it will forever remain DISPUTED. Every Credit Reporting Agency and XXXX XXXX XXXX XXXX XXXX have Willfully, maliciously, knowingly, negligently, deliberately, purposely, wantonly, intentionally, and incompetently violated the Fair Credit Reporting Act ( FCRA ) and Metro 2 protocols by failing to permanently mark my account as DISPUTED as clearly required by the FCRA and Metro 2. I demand {$1000.00} in statutory damages against every CRA and Furnisher for every day my credit file has not been reported as Disputed. The record is clear that I have bona fide disputes which have been admitted by every CRA and Furnisher. Moreover, XXXX XXXX Senior Vice President in charge of credit cards, XXXXXXXX XXXX has sent at least 4 personal letters to myself and the CFPB effectively admitting my disputes. Moreover, my Disputes have been escalated to the XXXX XXXX Chairman of the Board due to the obvious illegal conduct.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a complaint about CreditKarma not allowing me to re enter account by verification of codes being to my phone. No action was done to have information stopped being sent to phone that is not my current number. I can't get into my account if I can't have info sent to my current phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Experiment XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2023 POSSIBLE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Validation of Debt Request for Account XXXX XXXX Dear XXXX : I am writing to request that you provide me with validation of the debt that you have reported on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, I am entitled to receive verification of the debt that you claim I owe. 

I do not recognize this account that you have reported on my credit report. I do not recognize the account number, account balance, nor do I have any recollection of this alleged debt. Therefore, I am requesting that you provide me with the following information : The name and address of the original creditor ; The original account number ; The amount of the debt that you claim I owe ; Verification that you are licensed to collect debts in my state ; Verification that the statute of limitations has not expired on this debt ; Documentation showing that I agreed to pay this debt. 
Original purchase agreement or contract from original owner of this debt ; XXXX agreement if applicable from original creditor showing proof of refusal thereof Please note that until you provide me with this information, I dispute the validity of this debt and request that you cease all collection activity. Additionally, you are to remove any negative reporting regarding this alleged debt from all consumer reporting agencies including any third party consumer reporting agencies until such time as you have provided me with the requested information. 

THIS DOES NOT MEET THE ( FCRA ) Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

MY NAME IS  XXXX   XXXX  I HAVE AN CHECKING ACCOUNT WITH BANK OF AMERICA WHICH MY ATM CARD WAS FRAUDULENT USED ON THE  XXXX  OF  XXXX    XXXX   WHERE SOMEONE WHO 'S NOT AUTHORIZED USED MY CARD FOR OVER {$6000.00} WHICH BANK OF AMERICA LET WENT THROUGH BEFORE BLOCKING MY ATM CARD I GOT A TEXT MESSAGE FROM BANK OF AMERICA ABOUT THE FRAUDULENT ACTIVITIES, SO I FILE A DISPUTE AND ALWAYS REPORT TO THE POLICE I GOT A POLICE REPORT WHICH I I FAX TO BANK OF AMERICA, BUT BANK OF AMERICA DENIED MY CLAIMS AND TOLD ME I NEEDS TO GO INVESTIGATE THE CASE WITH THE POLICE WHEN I WENT BACK TO THE POLICE THEY SAID BANK OF AMERICA IS RESPONSIBLE FOR MY MONEY THEY ONLY WRITE POLICE REPORT AND BANK OF AMERICA REFUSE TO PURSUE MY CLAIMS STATING THAT I TOLD THEM I HAD THE CARD IN MY POSITION WHEN THE ACTIVITIES HAPPEN WHICH I DID NOT SO KNOW I DO N'T KNOW WHAT TO DO, SO THAT 'S WHY I WANT TO KNOW IF YOU CAN HELP ME, YOU CAN CONTACT ME FOR ANY MORE QUESTIONS AT  XXXX  OR EMAIL AT  XXXX  XXXX  XXXX
Product: Credit reporting or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXXXXXX XXXX XXXXXXXX. Please remove this account ASAP.
Product: Credit reporting

XXXX, DE XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX XXXX, TX XXXX XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX, TX XXXX XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX, DE XXXX XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX via XXXX XXXX, DE XXXX XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX I did not authorize these company that I listed above to run my credit on my credit report due to the law under section 604 of the FCRA they broke the law by sharing information that i did n't authorize.
Product: Credit card

On a recent XXXX from XXXX to XXXX the flight staff made multiple announcements about a special offer. This occurred Fri., XXXX. XXXX, 2015 on XXXX XXXX departing XXXX arriving XXXX. The offer was described as a short term and one time only offer around the merger of XXXX XXXX and XXXX XXXX. They stated quite clearly, and it was a topic of conversation for all the passengers near me, that if you apply in flight for the AAdvantage credit card that you will receive ( 2 ) Free Round Trip tickets anywhere in the continental US. Applications were distributed, I filled one out and returned it to the flight attendant. 

Within about two weeks I received the credit card, made purchases and have paid my bill in full each time. However, I never received either frequent flyer miles or vouchers. I contacted XXXX XXXX multiple times by phone and via their website. I was not able to receive an acknowledgement of the underlying issue, nor a resolution. Two reference incidents were created : XXXX XXXXCustomer RelationsXXXX XXXX Ref # XXXX XXXXCustomer RelationsXXXX XXXXYour Reference number to this request : XXXXIn neither case, nor in phone calls made to the airline was a resolution provided. Finally, I publicly posted the issue on line and then received a response acknowledging the issue and direction to call the XXXX Credit Card company for resolution. Upon doing so they were notably more available and responsive, did the research but were unable to address or resolve the issue, nor provide any remedies. 
It is clear now that this a false enticement was made to enter in a credit agreement, I think it is very important that the appropriate authorities are made away and that other consumers can avoid falling for the same credit fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

who is XXXX who put them on my account and why not to the person, company intended did you send them payment how many i need to know the name of the person the date this action occured need the fax number my scanner is broken
Product: Debt collection

This company has sent me a bill claiming I owe a debt. They posted the debt on my credit ( Transunion ). The company never gave me 30 days to dispute prior to posting to my credit report. This is against the Fair Trade Act.

This debt from XXXX XXXX is not mines.

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/2016 {$4000.00} Original creditor : XXXX XXXX XXXX XXXX Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.

Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquiries this is incorrect please tke it off immediately. I causing a lot for me. I will list all the negative accounts and inquiries Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$320.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$270.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$820.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$270.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} Account Name : XXXX XXXX  Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$450.00} Account Name : XXXX XXXX  Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$2000.00} Account Name : XXXX XXXX  Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$900.00} Account Name : XXXX XXXX  Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$4100.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$920.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$4600.00} Account Name : XXXX  Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$1800.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$6100.00} Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$1200.00} Account Name : XXXX XXXX  Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$50.00} XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX
Product: Debt collection

After receiving a copy of my credit report, I discovered that this debt was being reported without me having any knowledge of even having this debt. I have attempted on several occasions to obtain validation and verification of the debt from the creditor. The collection agency has no knowledge of anything about me outside of my name. When I contacted the collection agency, the representative repeatedly requested my birthdate, social security number, address and phone number in a very rude manner, before giving me any information pertaining to this debt. Representative also informed me that it was against the law to refuse to pay a debt that I owe and attempted to collect without verifying that is was indeed my account, that I owed on the account. or what the amount owed actually was.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX XXXX XXXX are violating my rights as a consumer. I began notifying the consumer reporting agencies that they were violating my rights on XX/XX/22. I also notified them on XX/XX/22, XX/XX/22, XX/XX/22, and XX/XX/22. XXXX XXXX has removed the accounts from my file. 15 US Code 1681 Section 602 a says I have a right to privacy. No consumer reporting agency can furnish an account on my file without my written consent. I have not given anyone written consent. This is identity theft. 15 US Code 1681 c 2 says a consumer reporting agency will block any information on the file of a consumer that the consumer identifies as information that is the result of alleged identity theft within 4 days after the day of receipt. These accounts are still reporting. XXXX  and XXXX XXXX are also committing tax fraud. The IRS says it is illegal to report a charge off. According to them this is income. I am demanding they file a 1099 C and I would like the audit trail of these fraudulent accounts. They both are 15 USC 1681 e ( b ) by not reporting 100 percent accurate information. I am demanding that they follow 15 1692. ( c ) and cease all conveying of information directly to any person through any medium. The communication is the reporting of these accounts to my credit file. My consumer report is the medium. Your deceptive practices have caused me great mental distress and caused me to lose faith in our banking system. I demand that these accounts be removed immediately.
Product: Credit reporting or other personal consumer reports

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy
Product: Debt collection

LOANMART IS REPORTING A PAST DUE COLLECTION ACCOUNT ON CREDIT REPORT FOR {$13000.00} ... I DO NOT RECALL OBTAINING A LOAN FROM THEM IN XXXX FOR THIS AMOUNT. ATTEMPTS TO REQUEST VALIDATE OF THIS ACCOUNT CAME BACK WITH A WRITTEN STATEMENT FROM LOANMART STATING THEY " ARE UNABLE TO LOCATE YOUR FILE ... '' IF THEY CAN'T LOCATE THE FILE THEY SHOULD NOT BE REPORTING IT ON CREDIT AND SHOULD NOT BE AGRESSIVELY ATTEMPTING TO COLLECT DEBT ... 800 LOANMART  Account number XXXX .... 
Recent balance {$13000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX, an individual used my credit and social security number apply for an apartment. I had no knowledge of this activity and did not request for an apartment. 

The collection company I received the notice is called Genesis- they have been easy to work with to date to resolve this issue. 

The original creditor is called : XXXX XXXXXXXX XXXX Total debt is {$520.00}
Product: Student loan

My servicer is Mohela. I registered my Federal student loan of approximately {$280000.00} under the SAVE plan prior to the first payment due in XX/XX/2023 of {$1000.00}. I enrolled in AutoDebit, entered my bank account information and saved it on Mohela 's portal, and received confirmation that the first AutoDebit would be taken on XX/XX/2023. But it was never taken, and I received no notice of this error until much later, when I was notified that a payment was late. 

I made a manual payment from my saved bank account, which cleared on XX/XX/2023. I called Mohela on XX/XX/2023 to inquire about this issue. By that time, interest of {$2000.00} was showing on my account. After nearly 2 hours on the phone, I was offered the following resolutions : ( 1 ) retroactive forbearance for XX/XX/2023 would be placed on my account, ( 2 ) my manual payment in XX/XX/2023 would be refunded, since it would be covered under the time period of the forbearance, ( 3 ) I would be sent a document to my email about my payment and loan history to account for the {$2000.00} interest which Mohela claims accumulated prior to XX/XX/2023, ( 4 ) my payment and auto-debit would be taken XX/XX/2023 as scheduled. 

None of these items have been done. I received confirmations of auto-debit from my bank account ( whose information is correct, as it was able to be used to make a manual payment ), and when I checked my account on XX/XX/2023 it even said the payment was processing. However, a delinquent notice was sent to me on XX/XX/2023, and there was no record of my XX/XX/2023 payment. Checking my account on XX/XX/2023, Mohela states that I have {$1000.00} due for next payment, {$2100.00} past due, for a total due of {$3200.00}. This does not make sense, especially as I made a manual payment that they have not refunded as promised. This entire issue has been a nightmare! 

The consequences of Mohela 's errors are multiple. I might lose credit for PSLF. I will have thousands of dollars in undeserved interest. And if my income is higher in the future, they will collect extra higher-income-based payments from me instead of counting the earlier ones. Larger payments than those required under the SAVE plan would not be applied to as much principal as interest. This is a complete scam, and their response time is unacceptable! There are families and lives on the line here!
Product: Credit card or prepaid card

I receive my Social Security benefits thru Direct Express. The money posts on the XXXX  of each month. When I went to withdraw some cash the money was gone. I later learned that someone had transferred all the money to a prepaid card without my authorization. I am on a fixed income and rely on that money for rent utililties, food and medicine. I was told by Direct Express that I would have to wait days for a possible provisional credit to my account but not guaranteed. I am not able to wait. I need help now. I contacted them the day of the theft on XX/XX/20 and everday since after I faxed them requested info and paid {$13.00} for a new expedited card. Still, they say working days which means I can not pay my bills. Social Security tells me this is not a isolated incident. She had just got off the phone with another person who had the same thing happen. Money transferred out of there account. I believe there is a breach at Direct express and they should credit my account immediately. Not make me wait an indefinite amount of time.. I need help with this matter right away. Who can I contact to get some results? There are two transactions on XXXX {$940.00} and {$25.00} that need to be returned to me.
Product: Checking or savings account

This was in XXXX I had a account with chime since XXXX out of no where they said I Violated the rules and they closed my account with money still in it. I had like almost XXXX in the account. No action was taken and I never got my money back.
Product: Credit reporting

This letter is being sent to you in response to a listing on my credit report from EQUIFAX Be advised that this notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and that this claim is disputed and validation is requested. 
I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I ask you to provide the following information : 1. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from EQUIFAX. 
For the purposes of XXXX XXXX XXXX et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary.
Product: Credit card

In XX/XX/XXXX, I left the USA to XXXX in the pursuit of a XXXX. By mid XXXX I was still jobless, so I was unable to keep up the payments from abroad. Therefore I pursued negotiations directly with Discover to find a hardship program or some payment system that would at least lower the payments. 
End of XXXX, we had reached a deal to work a payment plan that would lower the payment and keep the credit from faltering. Unfortunately, they denied everything that I had negotiated as if it did not happen and I was only bubbling the payments. They rudely cared little for me and did nothing to help, only demanding only payments. By the end of XXXX I tossed my hands in the air. I had to make a decision between food and the payments. Of course, I chose food. 

I swore to myself I would take care of this when I returned. After four fruitful years in XXXX and XXXX studying and working, I returned to the USA this past summer jobless once again. On XX/XX/XXXX I received a letter from XXXX XXXX ( debt collector and possible new owner of the debt that has not been verified ) requesting I accept the current situation or dispute it by XX/XX/XXXX ( 30 Days ). No response will mean I accept the amount of the debt. I will be sending a letter soon to dispute this wrongful situation. 

I hope you are able to assist me and find terms that both parties can agree upon that will allow me to put the debt and emotional frustration behind. 

Kindest regards,