23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX bank was the original creditor. XXXX XXXXXXXX bank charged my account off XX/XX/XXXX. LVNv bought the account in XX/XX/XXXX. I filed a dispute with all 3 credit bureaus in XXXX of XXXX. In response XXXX  XXXX bank was removed from all 3 credit reports. XXXXXXXX XXXX XXXX received full balance owed to them of XXXX XX/XX/XXXX. At my request the account was suppose to close. I was told once my payment processed it would close. XX/XX/XXXX I tried to log in XXXX XXXX XXXX website and couldnt. I assumed the account was fully closed. XX/XX/XXXX I checked my credit report and seen I had an outstanding balance with XXXX XXXX XXXX. I called them. Me and the representative went over the charges. I disputed 5 charges ranging from {$60.00} to XXXX dollars. XXXX  XXXXXXXX XXXX told me that it would take 60 days to investigate. I called them XX/XX/XXXX to get an update. The representative told me that no dispute was filed. He assured me he would file the dispute for me on XXXX XXXX and was told it could take up to 60 days. I called them XXXX XXXX and was told that the account was closed with XXXX balance, only to find out they sold the account with positive balance to LVNV without investigating my disputes. Now LVNV believes I owe them {$1700.00}. Ive requested statements from LVNV and they refuse to send them. They claim they only have the last months statement. Which only shows the current balance.
Product: Debt collection

California Business Bureau ( Collection Agency for XXXX XXXX ) - I was diagnosed with XXXX in year XXXX. I had all my procedures, text, check up, and XXXX done at XXXX XXXX in XXXX XXXX. 

In XXXX of XXXX XXXX, A YEAR AFTER my diagnosis and procedure I received a bill/ a call from XXXX XXXX saying I have bills with them. I have disputed this so many times and told them I have never been to their hospital. Why would I pay a bill that is not mine. It is an identity theft. It wasn't me. I have a Health Insurance but I am still paying all my Medical bills from XXXX where I had my XXXX. 

My personal information was hacked years ago, In my credit report there was showing an address from XXXX, I have not lived in XXXX, California.
Product: Checking or savings account

On XX/XX/2022, XXXX wronfully delivered packages to the wrong location. The seller, XXXX, was notified about this incident and made no visible attempt to reach out to XXXX about the whereabouts of the package. After personally reaching out, XXXX, they admitted to using another provider to ship the packages to an XXXX warehouse facility. The shipper hired by XXXX  that made was " XXXX XXXX XXXX ''. Via email ups confirmed they wrongfully delivered to the wrong location. When asked via email ups refused to provide contact information for winitamerica. By phone, they stated they are not allowed to provide the company 's details for claims. I reached out to XXXX via phone call who confirmed receiving the packages at their return facility in new jersey. Throughout all these communications I was updating relink of the conversations with the companies but it appears there was a language barrier as the representative kept responding that the package had been delivered. Tracking numbers say it was delivered to my home however I was home at the time and date in question. My home also has several cameras around the house and at no point was the item delivered. The payment method was made through PayPal and a dispute with them has been filed as well. All these companies record their calls when they answer, and emails are saved. As a consumer, I expect to pay for what i pay. If the shipper loses my package it's their responsibility to make it right.
Product: Mortgage

I owe approximately {$76000.00} on a home that has a value of approximately {$420000.00}. I am XXXX XXXX XXXX and XXXX, living on Social Security XXXX. My husband left me recently and without his income, I am not able to make the monthly payment. We were hard hit financially because of XXXX. At the very least, I could rent out my other XXXX bedrooms in order to pay the monthly mortgage payment. I called and sent Bank of America a letter explaining my situation and telling them why my XXXX payment was not made. XXXX is late now too. I never spoke to any loan officer or anyone other than in my first phone call. They refuse to offer me any other solution except to SHORT SALE my home. They did not offer a loan modification or a forbearance. They are proceeding with foreclosure on my home. I have absolutely no place to go. If they foreclose on my home, I will become homeless immediately. They did not even try to work with me on anything in order to come to a less drastic solution and a solution which will definitely result in me becoming homeless. Everything that I am reading says that everyone should do everything to avoid creating more homeless people. I do not believe it is fair what they are trying to do to me. Can you help me please. I am scared now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Loan was paid off and title was received with no lien recorded. Loan was for {$40000.00} on XX/XX/23. A cease and desist letter was emailed to Chase Auto due to the harassment.
Product: Prepaid card

I have been trying to speak with someone by calling Rushcard XXXX number. Every time I call I 'm either on hold for XXXX hours or they hang up, this last time the young lady was so rude I forgot why I was calling. These past few weeks have been a headache. I went from missing money to not receiving my deposits. I understand they might not come early anymore but it 's past my pay date and no XXXX will come to the phone. I have been a member since 2011 and you would think they would handle this more professionally. They need more customer service reps and to keep their customers in the loop.
Product: Credit card

I am writing to formally lodge a complaint against Comenity Bank concerning their handling of my Victorias Secret credit card account. I have encountered numerous issues with their practices, with the most recent incident prompting me to seek your intervention. 

On XX/XX/XXXX, I made a payment toward my Victorias Secret credit card at XXXX XXXX unaware that the cutoff time for payments was XXXXXXXX XXXX I had assumed, as with many other credit card companies, that payments made by XXXXXXXX XXXX EST would be considered on time. As a result of my XXXX delay, I was charged a {$35.00} late fee. 

I immediately contacted Comenity Banks customer service to request a waiver of this fee, considering my consistent payment history over the past two and a half years. Despite explaining the minimal delay and my regular payments, the representative refused to remove the fee. This decision is particularly frustrating given that I have made every effort to manage my account responsibly, often paying more than the minimum required amount. This year alone, my payments have consistently been {$70.00} each month.

Moreover, I have attempted to negotiate with Comenity Bank on two separate occasions to settle my balance in full. I requested the removal of one or two late fees as a condition for paying off my balance entirely, thus preventing any further fees from accruing. Unfortunately, Comenity Bank refused to accommodate this reasonable request, demonstrating an unwillingness to assist a long-standing customer in good faith. 

The imposition of this late fee, coupled with the refusal to waive it, seems unfair and unreasonable, especially in light of my XXXX delay. It feels punitive and neglects the positive payment history I have maintained. Additionally, despite my consistent payments, my balance remains disproportionately high, suggesting potential errors or discrepancies in my account that need investigation. 

I request the Consumer Financial Protection Bureaus assistance in addressing this matter. Specifically, I ask for an investigation into Comenity Banks practices regarding payment cutoffs and fee impositions to ensure that customers are treated fairly and transparently. Moreover, I seek a thorough review of my account to identify any discrepancies contributing to my persistent balance. 

Thank you for your attention to this matter. I look forward to your intervention and assistance in resolving these
Product: Credit reporting or other personal consumer reports

This institution is reporting charge-off accounts on my XXXX and XXXX credit report. However, they have failed to conduct proper investigations or provide the necessary documentation as required by law under the Fair Credit Reporting Act ( FCRA ). 

As per my rights under the FCRA ( 15 U.S. Code 1681i ), I formally disputed these charge-off accounts, requesting a full investigation and validation of the debts in question. According to the FCRA, credit reporting agencies and the institutions furnishing the information are required to : Investigate the Dispute : Upon receiving a dispute, the information provider must conduct a thorough investigation and respond to the consumer within 30 days.

Provide Written Results : The consumer must be provided with the results of the investigation and any supporting documentation that proves the validity of the debt.

Cease Reporting if Unverified : If the information provider is unable to verify the debt after an investigation, they are required by law to cease reporting the incorrect or unverifiable information to the credit bureau. 

Despite multiple disputes, these institutions have not provided me with the required results of their investigations. Furthermore, I have not received the proper validation documents to substantiate the charge-off accounts. This is a direct violation of the FCRA and my consumer rights. 

I am requesting that these institutions be held accountable for failing to adhere to the legal obligations outlined in the FCRA. I ask that these charge-off accounts be immediately removed from my credit report due to their inability to provide proper validation and investigation results. Additionally, I am requesting that these institutions notify XXXX to delete any erroneous or unverifiable information. 

I appreciate your attention to this matter and expect swift action to resolve these issues. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple Disputes with Equifax via there website and more through XXXX XXXX. Through Equifax i have filed 9 disputes over the last 60 days. 2 are incomplete and are not yet being investigated and 7 are reported as being complete but only 1 of those 7 have a response available. They are listed as follows : 2 uncompleted disputes : # XXXX filed XX/XX/2022 # XXXX filed XX/XX/2022 For these i have not been told anything 1 complete dispute with response : # XXXX file XX/XX/2022 completed XX/XX/2022 This dispute was filed on a Bankruptcy in the attempt to show that one of my creditors XXXX XXXX should have not been listed on the Bankruptcy as a discharge but a reaffirmation. Equifax, responds that i did in fact have a bankruptcy ..... Thanks 6 disputes that care reported as complete but do not have results. 
# XXXX filed XX/XX/2022 completed XX/XX/2022 # XXXX filed XX/XX/2022 completed XX/XX/2022 # XXXX filed XX/XX/2022 completed XX/XX/2022 # XXXX filed XX/XX/2022 completed XX/XX/2022 # XXXX filed XX/XX/2022 completed XX/XX/2022 # XXXX filed XX/XX/2022 completed XX/XX/2022 This is just a glance at the issue i am having with getting Equifax follow there own policy. There have been many more dispute both through Equifax, XXXX XXXX, as well as the CFPB. even those that have received responses have been copy and pasted, false information from the creditor, the very same information i am disputing and gave provided proof in my complaint. Equifax however fails to actually conduct any tupe of investigation as the results furnished are full of incorrect inf oration that either compute or contradicted themselves on the very same page. i have went through the process of filing each one individually but still the same computer generated response. The latest response i received was today XX/XX/2022 for a complaint filed with the CFPB. It offered XXXX information in the disputing matter whatsoever, in fact it was a list of things i had done as in disputes i filed as if i didn't know that ior as if it even pertains. i have attached it for your enjoyment
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights. 


15 U.S.C. 1681 Section 602 A States I have the rights to privacy.

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

I first filed a complaint with CFPB on XX/XX/XXXX regarding this issue. 
On XX/XX/XXXX, Transworld Systems Inc. provided " debt validation '' as response. 

This " debt validation '' document was impossible to read and completely illegible due to low resolution. After further communication with Transworld Systems Inc., XXXX XXXX, Division XXXX of Transworld Systems Inc., requested a clearer copy from their client, " XXXX XXXX XXXX XXXX XXXX XXXX ''. 

On XX/XX/XXXX, XXXX XXXX forwarded me a clearer document from the client ( attached ). This document is a " Civil Recovery Demand ''. 

Under the FDCPA, a debt is defined as a consumers obligation to pay money arising out of a transaction in which the money, property, insurance or services [ being purchased ] are primarily for personal, family or household purposes ( 15 U.S.C. 1692a ( 5 ) ( 2011 ) ). 

There was no transaction or any record of transaction between myself and the client, " XXXX XXXX XXXX XXXX XXXX XXXX ''. There is no court action, pending or otherwise. There was no lawsuit or civil action. Therefore, this is not a " debt '' that is collectable.
Product: Credit card

On XX/XX/year> I purchased XXXX items from XXXX totaling XXXX using my Bread XXXX visa. Both if these items were returned to XXXX per policy on XX/XX/year>. XXXX item shows as " returned '' on XXXX the other shows as recieved but is " stuck in processing ''. After hours of dealing with the constant XXXX customer service loop where I am told they will process a refund but never do I file a purchase dispute with Bread XXXX. I provided photos of the items, return drop off reciepts, confirmation screen shots from XXXX showing that they have the returns as well as XXXX tracking confirmation that the returns were delivered via XXXX secure message on their app. Initially I am credited XXXX. But then on XX/XX/year> I am charged again for XXXX. So I reach out via secure message explaining that I did not authorize the XXXX charge on XX/XX/year> and the response I get is to call a phone number that no one anwsers. 
Bread XXXX has never once communicated with me about the initial dispute and refuses to address the new charge for XXXX. Bread XXXX is not investigating a dispute in good faith with a mountain of clear cut proof and Bread is not protecting my account or data from unauthorized charges. I believe Bread XXXX has violated my rights XXXX the FCRA.
Product: Checking or savings account

XXXX XX/XX/2018 I tried to open an account with with People United Bank, NA ; XXXX XXXX XXXX XXXX CT XXXX and was told no. It also shows up on XX/XX/2018 and XX/XX/2018 that I could not stand account and I tried to resolve it with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SEVERAL endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX, MS , XXXX  ; XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX .
Product: Debt collection

I have no idea who this company is they just reported on my credit report that I owe them $XXXX.  This may be an all debt from XX/XX/2014that they said but it’s affecting my credit like it’s a new debt. I don’t even know why I received this bill back then when my insurance should of covered it. All they are doing is messing up people’s hard work in fixing their credit. This should not have a new negative impact on my credit after all the time I spent to get rid of it. It’s not fair to consumers
Product: Checking or savings account

In XX/XX/year> my Chase Bank account was closed abruptly, due to what they described as their automated fraud detection system. Before my account was closed, I had attempted to deposit a check from my former landlord and the check bounced due to insufficient funds. 

I reached out to the landlord and when the landlord ensured me that the account was funded and to try again - I attempted to deposit the check again. That is when the check was flagged as fraudulent and my account was closed. 

The landlord said the money, totally {$3900.00} was withdrawn from his account. But it also never entered my account. My account was closed, and I was mailed my remaining balance.

Chase has confirmed that the funds are still being held until they can verify the maker of the check - however the only way they say they can do that is to make an outbound call tied to a phone number tied to the business. XXXX XXXX XXXX XXXX does not have a phone number associated with it on whatever system Chase uses, therefore it is impossible to do this. I have asked if the landlord could come into a branch to verify the check but Chase has repeatedly told me the only way to verify the check is through the phone call method.

The landlord will also not write me another check because the funds were taken out of his account.
Product: Debt collection

I was jotified of a collection on my credit report in XX/XX/2021. I contacted the collection agency for more information and determined that the debt was a result of identity theft and was referred back to the original creditor, XXXX XXXX, to dispute. I contacted their customer support via phone and was not adequately assisted. I have filed a police report regarding the identity theft. Yet XXXX XXXX will not assist me in removing the negative item
Product: Debt collection

They keep calling and telling me that they are attempting to collect a debt. My credit is perfect and I do not owe any outstanding bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Given that Experian is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint.. I have attempted to have Experian clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me.. Remove XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX/XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX ,
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report to I noticed Several inquiries yet again, that do not belong to me. Please remove this from my credit report immediately as this is poor judgement with on my character and credit worthiness. 

XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX-Inquiry : XX/XX/XXXX XXXX XXXX-Inquiry : XX/XX/XXXX XXXX XXXX-Inquiry : XX/XX/XXXX XXXX-Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry : XX/XX/XXXX
Product: Student loan

Had no issues at all when student loans were serviced by XXXX, XXXX, or XXXX. Starting in XX/XX/XXXX, XXXX started misappropriating my loan payments into the wrong accounts, even though my bank had the proper loan numbers on the payments. ( Account numbers were given to me by XXXX ) They even threatened, by letter, to send me to a collection agency, in addition to the collection department calls from XXXX themselves. They were also charging me late fees and calling my accounts delinquent, when they were the ones who made the mistakes. This happened 5 months out of 6 in XX/XX/XXXX. Every time I called to try to straighten out their mistakes, they blamed me or my bank and were hostile and rude. Now the same thing has started again in XX/XX/XXXX, where they are misappropriating my loan payments again.
Product: Student loan

Way back in 1996 I went to XXXX for XXXX semester. The school was a XXXX minute car ride and I had to withdrawal. At that time the I owed approximately {$6000.00} dollars in student loan debt. Since then my loan amount has been sold and transferred to different loan " servicing '' companies and the amount has ballooned to {$29000.00}. I feel that I am the victim of predatory lending practices and I need the help of Consumer Financial Protection Bureau. I would like to be able to pay back and finally be rid of this obligation but I wont be able to afford this very high balance. Thanks for your help.