23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear COMENITY BANK or BREAD FINANCIAL I am writing to bring to your attention a serious issue regarding my XXXX credit card account that was transferred from Capital One to Comenity Bank. Since this transfer, incorrect information is being reported to the credit bureaus, which is negatively affecting my credit profile. 

Specifically, the following issues need immediate resolution : Incorrect Late Payment Reporting : Late payments are being reported that do not belong to me. My payment history has been impeccable. 
Incorrect Balance Reporting : Despite my account having a {$0.00} balance, the old balance is still being reported. 
I have contacted both Capital One and Comenity Bank multiple times since XX/XX/year> ( at least six times ) to dispute this issue and have also filed disputes with the credit bureaus seven times, yet the inaccuracies persist. 

Capital One has stated they no longer have any records of my account and have refused to assist in verifying my payment history. Comenity Bank, on the other hand, attributes the errors to information provided by Capital One. This back-and-forth is unacceptable, and I request immediate action to resolve the matter. I also File a FTC report and they disregard the information as well. 

As per the Fair Credit Reporting Act ( FCRA ), both furnishers of information and credit reporting agencies have a legal obligation to ensure accurate reporting. I request the following actions be taken promptly : Correct the payment history to reflect perfect payments as per my record. 
Update the balance to reflect {$0.00}. 
Please provide me with a written response detailing the steps you will take to correct these inaccuracies. If the matter is not resolved promptly, I may be forced to escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal counsel. 

I appreciate your immediate attention to this matter and look forward to your prompt resolution. 

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

I was deceived and pressured into a " timeshare '' purchase in XX/XX/XXXX. ( I request that you also have an option of " timeshare scam '' on your website. Why don't you? The FTC acknowledges that timeshares are a huge scam that pressure and harm consumers, and we really need CFPB to stop the abuse of American Consumers. ) Anyway, after falling for the timeshare trap, I continued to pay the bills monthly as required until the timeshare agreed to work with me so that I will be released from the contract. On XXXX, I had spoken to XXXX of the timeshare. She explained to me on that day that their legal had put a hold on my account on XX/XX/XXXX to put in foreclosure and work on a DIL because I complained to them repeatedly that they scammed me. I asked, " How can I be in foreclosure when I never missed a payment and I am up to date! '' After that, I spoke with my lawyer that I hired specifically to deal with this XXXX. After we all officially agreed with the timeshare for them to release me, as I was waiting for all the paperwork to go through on THEIR side, they were reporting me as " delinquent '' monthly while we were waiting on them to complete their share of paperwork.
Product: Credit reporting or other personal consumer reports

I have sent certified letter in XXXX and XXXX in XXXX advising unauthorized and/or fraudulent inquiries. They refuse to respond or remove these inquiries that are creating negative results from there being so many. they have bypassed their allotted timeframe and requested identification which i supplied that it was me disputing
Product: Student loan

My loan servicer is Navient and they have been terrible. I have been trying to get my repayment in the correct plan and the monthly payment amount correct so that I can receive loan payment assistance from my school. I 've had to apply for forebearance because every time I follow through with their advice and request for documentation, they tell me I need to do something else ( after giving them the requested time of response ). I actually want to START repayment and my school is ready to pay the loan if Navient could actually assist me. Instead I 've missed three months of opportunities to have my school loan monthly payments paid and accrued additional interest.
Product: Debt collection

I XXXX in XX/XX/XXXX. when I check in to the hospital I XXXX to, I gave the hospital my insurance information. My insurance cover my stay and expense except for XXXX account. I notice an account on my credit a and I wan'st sure what It is was for, so I called and they did not know either until i finally spoke to a lady who told me that it was for my daughter XXXX. I told her that we had insurance. That is when I ask for the provider information. They would n't give me the information i had to google it. I called the medical office and the lady I spoke with said the hospital did not gave them my insurances information. that is so wrong because I gave them my information so my stay and everything include could be paid for. she said they send me a letter but I never received it because they sent it to the wrong address.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # 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: Debt collection

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. 

XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # 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: Mortgage

The company that holds my mortgage now charges a monthly principal payment of {$640.00} ; and a monthly interest payment of {$640.00}. My interest rate is 2.750 %. How can I be paying more for interest than principal. This wasnt happening with my first mortgage lender, so I know something is wrong here. I need help and dont know what to do. 
XXXX became my mortgage lender through an XXXX ; they sold the loan to the current holder M & T Bank.
Product: Mortgage

We purchased our current home in 2015 for {$170000.00}. We currently owe {$130000.00}. That's an XXXX of XXXX XXXX from the original purchase price. According to the cfpb website the servicer is required to drop the PMI at XXXX XXXX original XXXX. I called my servicer and asked why they hadn't dropped my PMI. They told me they weren't required to. I told them according to cfpb they were required to. The person asked his manager and they confirmed that they don't need to drop it at XXXX XXXX of the original XXXX. They also told me I needed to submit a signed request to drop the PMI. They would then review it and decide what came next.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( 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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Noticed debt on credit report. Filed dispute with XXXX XXXX on XX/XX/XXXX about a collection showing on my report. The collection company is American Collection Systems XXXX WY phone # ( XXXX ) XXXX. Tried calling to get information from them on XX/XX/XXXX about the creditor. Company name shows as XXXX XXXX XXXX. American Collection said they could not disclose information about the debt but did provide a phone number. American Collection said to wait 10 minutes while they reached out first to let them know I would be calling. American Collection couldnt find me at first then found it under XXXX XXXX. Have not used that last name in over 30 years. Tried calling XXXX XXXX XXXX on the number given to me by American Collection and it goes to voicemail and have not gotten a call back. The phone number given to me for XXXX XXXX ( XXXX ) XXXX. It was sent to American Collection on XX/XX/XXXX with a balance {$11000.00}. The account was opened XX/XX/XXXX for an amount of {$10000.00}. American Collection said that a judgment has been filed against me under XXXX XXXX and could not disclose information due to Arizona privacy law. I find it strange that the agency wanted me to wait 10 minute to call the creditor so they could call and let them know I was going to call. I have no idea who this company is or what XXXX XXXX XXXX stands for. They told me they could not provide me that information and to call them after she did. I have not received any communication from either company about this debt. I reach out to find out why this is on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX on XX/XX/2022 to remove an inaccurate account, that is being reported with an incorrect monthly payment. Item was not removed after investigation completed on XXXX XXXX.
Product: Checking or savings account

I am making a complaint due to improper sales practices by Santander Bank. I created this account specifically to warn anyone thinking of banking with Santander to run AS FAR AWAY from this bank as you can, specifically if you receive wire transfers.

I opened up an account specifically because on the Santander website, it stated that " Recipient saves money as the incoming wire in foreign currency has no fee ''. 


Proof : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted a customer service rep just to be sure, and they told me there would be no fee assessed if the funds are incoming in a foreign currency. I also asked if there would be an intermediary bank used to assess the foreign currency ( since my company prohibits this ), and she said since Santander was a large enough bank, it would be processed directly by them. I thought to myself " Perfect! I can use this as my bank account to receive money while I teach online. Then, I go to the branch itself to open up the account, and SURPRISE! The rep said there would be a {$13.00} fee assessed, and that Santander uses and intermediary bank. She calls a service rep to confirm, and he sided with her. I call another service rep, and they say that no fee is assessed. She even wrote on my account that no fee should be assessed for the incoming wire transfers in foreign currency. I asked for this in writing, and this is when they began dodging my calls. I even had a rep hang up on me. 


Four more phone calls to 3 different service reps, 3 different departments, and 4 hours in total on hold later, the service rep replies " I really don't know. Is there anything else I can assist you with? '' I asked to speak with a manager, who said " We charge a fee. '' Me : " So the website is incorrect? '' Manager : " Well, presently, we need to update the information on the website to better reflect ... '' Me : " So the website is incorrect? '' Manager : " Yes '' And hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to update my personal address and remove the other addresses from my report.
Product: Checking or savings account

On XX/XX/XXXX I disputed a charge of {$250.00} from a merchant that has a history of not delivering the product that is paid for. 
The bank issued me a provisional credit while the investigation was on going. On XX/XX/XXXX the bank sends me a letter letting me know on XX/XX/XXXX, that they will be removing the credit from my account and that they have sided with the merchant and there was nothing else that can be done. Which is a lie. Their investigation is flawed. I provided all documents to prove my case and they still failed to protect me. 

My bank refused to perform a thorough investigation on my behalf. Instead of having empathy and knowing the law, they decided the case in favor of the merchant because they felt that I should have done " more research on the company ''. Which is WRONG. Regardless of those ridiculous claims, the merchant has no rights to keep my money for services NOT rendered. I don't have anything that belongs to the merchant therefor I should have my money back! 

Merchant blocked me on social media, blocked my phone number as well. I was finally able to reach her through XXXX ( a merchant service company where my card was processed through ) she told me that she would refund me but is now making excuses as to why she currently can't which I don't believe. 

If Citibank did their job this wouldn't be happening!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I mailed a certified dispute letter to XXXX XXXX and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 20 complaints on XXXX they also have over XXXX complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit is reporting that I have a chapter XXXX bankruptcy currently. This I incorrect! I do not have a chapter XXXX bankruptcy. I have called them, I have written several correspondences. I have file 4 times to dispute the inaccurate information. I have attached official court records that prove I do not have a chapter XXXX bankruptcy and they will not remove it. 

Each time I am told it is accurate although I have the proof in writing. I have chapter XXXX and there is a substantial difference. I just want then to update the accurate inforntaion and they are refusing to do so.
Product: Credit card or prepaid card

I have had a Wells Fargo credit card for almost 2 and a half years. It's a secured card. When Inopened the account, I was told the would be graduated to an unsecured card after 12 months of ontime payments and the balance is paid in full every month. I did that for 18 months straight. When they were questioned about why it had not graduated, 3 different reps gave 3 different excuses. I finally quit paying the balance in full every month because they kept giving me excuses. I even got an unsecured card from XXXX XXXX XXXX for the same limit as my Wells Fargo secured card. Furthermore, they have increased my limit by {$100.00} 2 months after getting the card. Yet, Wells Fargo refuses to graduate the card. This is false and misleading so they can keep and pocket the security deposit or not pay the interest on the deposit as they had promised. Finally, there have been times where Wells Fargo does not report it to my credit bureaus unless I complain. This needs to stop before I contact a lawyer and go to all of the media outlets. The reps have even been rude and abrasive when questioned about these issues. One rep stated if I don't like it, they can close the account and I can go somewhere else!! Really??!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed out my identity theft dispute to Equifax, XXXX, and XXXX twice in XXXX and haven't received correspondence from the bureaus. I am a victim of identity theft. Account XXXX Illinois XXXX XXXX {$18000.00} is not my account. My personal information was used to open this account. I have uploaded my passport, utility bill, and ssn card with the original documents I mailed usps 2 day priority to XXXX, XXXX, and Equifax.
Product: Other financial service

I purchased XXXX money orders for {$990.00} equaling {$9900.00} on Friday the XXXX of XXXX 2016 at a XXXX store. These Money Orders were then deposited into my financial institution account the same day. The Money Orders were approved and processed on Monday the XXXX of XXXX and posted as cashed according to Western Union on Tuesday XXXX XXXX, 2016. Unfortunately on Thursday XXXX XXXX, 2016 these XXXX money order became Returned Deposit Items due to allegedly being 'Altered/Fictitious Items. ' Western Union is aware of this issue and knows it 's their fault but still choose to hold up my money of {$9900.00} due to a '30 day process. ' This has damaged my relationship with my bank and this situation needs to be resolved immediately. I want my check due to me expedited from Western Union, a letter from Western Union written to my financial institution consenting to fault, and a written letter of apology from them. I am not the only person I know of that had this issue. XXXX of the people I know received his check within a week and it has now been well over 3 weeks with no compliance from Western Union.
Product: Student loan

On Sunday, XX/XX/XXXX, I contacted Edfinancial immediately after knowing about Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that. After trying to contact them multiple times via chat, email, and phone call, I was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I am therefore eligible for XXXX in forgiveness. Throughout the pandemic, I paid more than XXXX in payments. 

It seems as though Edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and Edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart.
Product: Consumer Loan

I live in XXXX, Missouri. Tower Loans ( out of Mississippi ) moved to our area about five years ago. I knew that my credit worthiness was low, and I had very few options for a loan except through a sub-prime institution. I received XXXX loans from Tower Loans. I owe Tower Loans over {$5000.00} dollars. XXXX loan is secured by a non-running vehicle. The other is secured by furniture. I got behind on payments because of illness and continued underemployment ( part-time work ) during the last four years. I am not disputing that I owe the money. I want Tower Loans to stop calling my department head 's office to locate me. I have a direct work line with the capacity for private messages. 

I have asked Tower Loans to not call my department head 's office and asked to be transferred to me at my desk. I have a direct line. The loan personnel at Tower Loans said that they could call any office they wanted because they originated the loan, and were not a " debt collection agency. '' I insisted that the law refers to " debt '' in a global manner. I need to know my rights, and if I am misunderstanding the law. I am fine with the calls to my desk phone, but I can not abide by the calls to my department head 's office. Even though my work is part-time, I still need my job. Moreover, I am concerned with this harassing activity. 

Sincerely yours, XXXX XXXX XXXX XXXXXXXXXXXX
Product: Checking or savings account

I have a Bank of America debit card and it was fraud. It was a checking account. I reported the unauthorized activities to the bank as soon as I noticed. I got a claim but I was told that the bank refused to refund the stolen money after investigation closed. However I think the investigation is irresponsible and false. Here is the timeline for the whole thing. 

XX/XX/XXXX : the last time that I used my card was at XXXX. 
XX/XX/XXXX : The card was charged unauthorized. When I got up I found the unrecognized charges and I immediately report it to bank. Also, I went the nearest bank to open a new saving account and transferred most of the money from the checking account. 
XX/XX/XXXX : The unauthorized activities still happened so I call the bank again. The total claim amount is XXXX XXXX Dollars. 
XX/XX/XXXX : I received and unknow call in the morning. A woman in the call said she needed me to answer some questions about the claim. She asked if the card was on my hand when it was fraud. I said yes. And she asked was it in the wallet or the purse. I said it was in the wallet. Then she said she would call again if there is further questions about the investigation. 
At the same day I received a message on my Bank of America center. The bank closes the claim and refuses to refund the money. 

Here are the reasons why I complaint : 1. I am currently a XXXX XXXX. The lost money is a huge amount. According to the transaction history, there are couple of large transactions in one day. If the investigators really analysed my purchasing habit, they would know that the transactions were against my habit. They were suspicious. 
2. If the woman works in BOA, she only asked two questions and made the decision at the same day. It is irresponsible and reckless. 
XXXX. I made a call as soon as I found the unauthorized transactions. But the card was still used at the second day. The reason that the bank refused to pay is because my PIN was entered or the signature was obtained. If the person could copy my chip then it is really possible to get my PIN. It should be banks responsibility to make sure the card is secure. 

I am so desperate now and I need the help. Thank you!