23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have called XXXX XXXX ( comenity bank ) numerous times as well as sent in a letter asking them to waive my late payments in XXXX and XXXX due to my husband being laid off from Covid. I have received nothing back from them and different responses from each customer service agents. I have since paid off the credit card when we got back to work but would like for them to waive the late payments as it has greatly affected my credit score.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am requesting that Experian and XXXX delete the collection account from XXXX XXXX XXXX. On XX/XX/2024, I sent a settlement letter to the collection agency to settle this debt. XXXX has since deleted this account after confirmation was sent. I am attaching the settlement letter to this complaint, which is dated, and time stamped. It has been well over XXXX  days since my letter, and I was informed that the account would be removed in XXXX days. Furthermore, Experian is reporting payment history that is inaccurate when there should be no payment history reporting on a collection account. I expect this account to be removed from my credit report within XXXX days of receipt of this complaint.
Product: Credit card or prepaid card

My card was used fraudulently XXXX XXXX XXXX at XXXX XXXX XXXX 's in XXXX in the amount of {$85.00}. My credit card company Capital One was informed and stated that I would be issued a new card and my account refunded. On XXXX XXXX I received a letter stating that the card had been deactivated, a new card mailed, and my money refunded. On XXXX XXXX I received my statement which showed the refund and it was also reflected in my available balance. On XXXX XXXX I attempted to use the money and my card was denied. When I called Capital One I was told that the money was on a 30-90 day fraud hold and was unavailable until the investigation was completed. This was not stated at anytime and I feel my money is being held fraudulently and should be made immediately available. When I have their money I pay interest however they are not offering to pay me interest. They refuse to provide proof that they stated 30-90 days even though I have provided proof of them saying it was refunded. One agent even asked me if I was the one that actually made the charges even though the charges were done in XXXX then immediately followed by a charge in Illinois and I live in Washington state and have never been to either place. That was insulting and unprofessional. I humbly request that you investigate this matter and provide relief as you see fit.
Product: Debt collection

Company Southern Finical was notified on the date of XXXX XXXX and on XX/XX/2023, where the agency was notified to verify the debt showing on consumer reports in the amount of {$610.00}, agency refused to validate debt made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Agency proceeded to file a claim with the XXXX XXXX XXXX XXXX XXXX in said amount of {$970.00} DECLARATION : Agreement with your client that grants you the authority to collect on this alleged debt. 

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 

Any insurance claims been made by any creditor regarding this account. 

Any Judgments obtained by any creditor regarding this account. 

Name and address of alleged creditor. 

Name on file of alleged debtor. 

Alleged account number. 

Address on file for alleged debtor. 

Amount of alleged debt. 

Date this alleged debt became payable. 

Date of original charge off or delinquency. 

Verification that this debt was assigned or sold to collector. 

Complete accounting of alleged debt. 

Commission for debt collector if collection efforts are successful. 


Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt.
Product: Checking or savings account

I opened a Capital One 360 XXXX XXXX Account in XX/XX/2024, believing it would offer the highest interest rates among financial institutions. However, the interest rate has dropped from 4.35 % to 3.80 %, a significant 0.55 % decrease. This decline is concerning, especially since Capital One continues to market this savings account as a high-yield option, which is misleading and fails to inform me about other alternatives with higher performance. As a result, I am losing out on potential earnings and investments.
Product: Vehicle loan or lease

XXXX XXXX 2018XXXX XXXX XXXX 2018.IN XX/XX/ 2018 I FILED A CHAPTER XXXX BANKRUPTCY. THE JEEEP WASNOTINCLUDED. IT IS FINANCED THRU XXXX XXXX. THEY ARE NOT REPORTING MY POSITIVE ON TIME PAYMENTS TO THE CREDIT BUREAUSTO RAISE MY CREDIT SCORE.
Product: Student loan

Naviant has a web portal for viewing loans. This information does not include what portion of the loan goes towards interest and principle. There is no statement provided that give this information either. The lack of transparency traps users into never knowing how much is actually going against the principle balance and is deceptive.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX is the most recent of multiple times speaking with PayPal this week. 

PayPal told me earlier this week to continue having funds sent to my account to unlock my account automatically. Today when I called two reps answered and said this is an attempt to collect a debt. The previous employees intentionally gave misinformation.
The employee was XXXX, employee number XXXX
Product: Debt collection

XXXX, XXXX, and XXXX the same debt has reopened via XXXX by a company named XXXX XXXX. This has been resolved over lengthy processes costing me money and time. The account claim has been reopened as of XXXX with XXXX XXXX and XXXX for {$380.00}. 

Additionally, I have reached out to the credit bureaus to remove an address based in New York associated with the fraudulent activity. I have never lived in that state and have already provided all the proof previously for this account. 

I repeat, this account and address has been addressed 3 times and twice closed for fraudulent activity. I am in the XXXX with a job that this greatly affects and need help to remove this permanently since XXXX XXXX keeps getting new collection agencies to reopen accounts.
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXXXXXX XXXX : # XXXX, XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 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: Prepaid card

1 hour after using Netspend 's mobile checkload service, an unauthorized charge was made at a XXXX in XXXX to my account ( I live in XXXX and have never been there ). When I attempted to log in to my account online to seek more information, a message appeared saying that there was a " problem with my account '', and asked me to contact their customer service number. When I did, I was on hold for 30 minutes, and the representative I eventually spoke to inquired about a purchase made at XXXX, a chain of stores I have never even been inside.I was then told that I would need to take this up with the risk department, which was at that point apparently closed. I asked about my account balance and for more information about the XXXX charge, and the representative told me that she could not provide any more information. I am still locked out of my account and my netspend card does not work. I have no access to my money and have no way of tracking the fraud that was seemingly taking place.
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally p

rotected 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 repo
rt 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

Debt collector called in XXXX to collects on Macy acct but input wrong acct on XX/XX/XXXX for {$77.00} but they included not only last she amt but XX/XX/XXXX payment in the collection. I received a call on XX/XX/XXXX because the agent used the wrong account and I was told the next payment was in XXXX which meant she include the XX/XX/XXXX payment in the collection attempt. I informed her that this was unfair and deceptive. She started she will this as feedback. Company should call and collect only any past due amount not advance payments. We
Product: Mortgage

I had been making payments on a mortgage loan against property that was originated fraudulently, but loan was in my husband 's name. I did not discover the new loan until husband died in XX/XX/2016. I continued to make payments but sued company XXXX XXXX and Ocwen Mortgage Servicing ). During the litigation Ocwen tried to stop accepting payments and rerouted all mail to the wrong address. In XXXX they started rejecting my payments for no good reason until the mortgage got behind several months. After the lawsuit when I called to check the status of the loan I was initially told that no one could talk to me about the account. Finally, after resubmitting information that I had already sent showing that I was the Executor they finally spoke to me. Now they have added late fees and started to threaten foreclosure without answering why they originally rejected my payments. Now it is approximately {$11000.00} behind and I can not catch up, however, they want me to pay the default and fees in full. I can not pay everything at once, but I do want to resume making reasonable payments since I never stopped making payments anyway. I believe this is harrassment and retaliation for suing Ocwen and not assuming this loan after my husband 's death.
Product: Credit card

I was suppose to have a delivery on XX/XX/XXXX from Best Buy they used ups for the delivery service. They say before delivery on XX/XX/XXXX I got an email saying my items would be delivered XX/XX/XXXX between XXXX and XXXX since these items were very expensive I wanted to make sure I was going to be home and I typically didnt make it home until XXXX so I called ups to see if I could re schedule the delivery time and explained I wouldnt be home until XXXX they told me that It would be fine that the items would arrive around that time and that if no one was home to sign for them they would bring them back to the warehouse. The next day at XXXX and e-mail was sent that these items were marked as delivered I wasnt able to see the email until XXXX because I was working. When I got home around XXXX i didnt see any items so I thought well they brought them to the warehouse like the said I contacted ups directly after submitting online I hadnt received the packages because I waited a little bit longer to see if they would bring them back by. I was informed by the ups agent that they had my packages and I had to contact Best Buy. I contacted bestbuy and I kept getting that they were investigating and then that I would be getting a refund because they couldnt locate my packages. I received one refund for the one time but not the second item that was with it. I contacted ups and Best Buy multiple times finally ups called Best Buy with me and said they sent over claim paperwork the Best Buy agent said that they would refund me. I never received a refund finally a corporate worker named XXXX from Best Buy contacted me after I made a report against them through the better business bureau and he informed me they wouldnt be refunding me and that I would have to contact my local law enforcement. Which I had already given them A police report. I contacted ups in hopes since this mess started with them they would help unfortunately they said they are in contract with Best Buy and wont refund me I have to go through Best Buy. Which I tried and they are refusing to refund me. I never received my product and ups is trying to refund me bust Best Buy isnt doing their part and its been XXXX months I submitted all of this information to the credit card company as well in hopes they would do a charge back or dispute and the have denied me even though ups informed them of the issue as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity & took out a loan in XXXX not me ... took out credit cards in XXXX not me Got another credit card XXXX -not me They are using incorrect names. Im XXXX not XXXX or XXXX This is allllll from XXXX & XXXX WHEN THEY MERGED!!! I reported this all to experian in XXXX & they wont help me I went to a debt consolidation company ( referred to me by XXXX & Experian ) & in XXXX I was advised they didnt pay off any of my debt the company was bankrupt & everything I paid them was stolen. 

I cant get my credit back. Now, my social security card & drivers license is out online & the hacker cant be found. My business has been ruined w/ slander & liable- my professional identity has been violated, stolen & I lost my business after 20 years working on it!!! 

No one will help me!!!! My credit report has false collections since XXXX. 

Ive reported this since XXXX every year & no one helps me!!!! XXXX is the first time I logged into XXXX when it was being developed. I want to press charges against XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX ( a grant program I found on XXXX XXXX. 

I want monetary relief so I can work!
Product: Checking or savings account

I paid by electronic from Bank of America with my checking account has enough fund to cover to my friend VISA credit card, when I made a payment by electronic from my checking account to my friend VISA of Bank of America. Bank Of America accepted it without problem from electronic, it last payment for amount {$10.00} inXX/XX/2020 and plus fee charged next billing in XX/XX/2020. Bank of America returned the fund {$10.00} to my checking account and fee charged my friend VISA credit card for {$25.00} for non payment.It totaled {$35.00} in XX/XX/2020. I wrote to them a letter to please them waive the fee charged with good cause, but they keep quite until now. I feel bad and close my checking account and I must pay the fee charged in XX/XX/2020 to cover for my friend {$25.00} My checking account number is XXXX ( XXXX XXXX XXXX ) Bank of America My friend VISA credit card number is XXXX ( XXXX XXXX XXXXXXXX  ) Bank of America They want to use the weapon in Pandermic CoVicd-19 to avoid and steal money from customer. It is so easy to get money without customer fault. Just charge and keep quite no reply or answer with bad attitude. Thank you so much.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Experian Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report.

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made.

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting

I NEED TRANSUNION TO REMOVE ALL DISPUTEST AND DISPUTE COMMENTS FROM MY CREDIT PROFILE. I AM TRYING TO GET A HOME LOAN AND THE DISPUTES SHOWING ARE PREVENTING THIS.
Product: Vehicle loan or lease

I feel as though I have been harrassed, starting the week of XXXX XXXX I have been called alot ( I do understand that ) but yesterday XXXX I was called 7 times. I was called twice in 1 hour. I have spoken to the creditor and advised I will make my payment XXXXMy payment was initially due XXXX. Is this considered harassment?
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX I did NOT authorize any of the listed accounts to be furnished on my credit report.
Product: Checking or savings account

On XX/XX/2019, I observed a deduction of {$820.00} check in my checking account with Bank of America. I attempted to stop the transaction the same day, but the fraud claim department had stated that the stop can not go through because someone had cashed in the check. On XX/XX/2019, I received a letter from bank of america and a copy of this forged check ( see attachment ). This unknown suspect was able to tamper an old check of mine ( check # XXXX ) and changed the check number to check # XXXX, the date, amount, and the payee. Currently in my possession, I have check number XXXX untouched. I have filed a police report on XX/XX/XXXX-19 about this forgery and I have also called the bank of america fraud claim department numerous times and faxed them the evidence and the police report. It took approximately 60 days to resolve with me constantly calling them for a status report and with no answers. I finally received a letter onXX/XX/2019 from bank of america denying my claim because the signature is consistent with the account. The problem is that they didn't investigate how the check number XXXX doesn't match the one I currently posses ( a blank check ). The check was clearly forged by the suspect and used an old check of mine, which clearly still has my signature to produce this other check. It took them 60 days just to say that signature matches the account, while they didn't investigate it further and try to see that the check was clearly tampered with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an issue with my Comenity Capital Bank credit card for Forever 21. I never received an order and was issued a refund. Regardless of this, the company continues to charge me interest and late fees on a purchase that I never received. I filed a complaint with the XXXX a while back and received a letter from Comenity Capital Bank stating that my account was XXXX  out and closed as per my request. As of XX/XX/2020 the letter states that my account balance is XXXX. I was also receiving harassing phone calls from restricted numbers at all hours of the night which is illegal. I usually wouldn't close a card because it would hurt my credit, but I had no choice as per these phone calls I just wanted them to stop. I have attached a photo of the document below ; as well as a photo of my credit history report which states that I had 100 % payment history until this point. Also I filed another report with the XXXX  yesterday and today ironically I received emails from XXXX XXXX stating that my account was updated to past due. My credit score of over XXXX has gone down to XXXX and I was turned down for a new credit card. I am considering legal action against the company if this can not be reversed. I absolutely will not and refuse to pay any fees associated with an order that I did not receive. Please see below documentation.
Product: Credit card or prepaid card

This company continuously declines me even though I have good credit and am above their requirements. I was even denied for a secured credit card. I feel I have been discriminated against.