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

Hello, my name is XXXX XXXX XXXX. The following is a summary of events in chronological order for a dispute on my credit card with Comenity Bank ( XXXX XXXX ). 

On XX/XX/XXXX a made a purchase of {$1500.00} with XXXX XXXX via phone and the purchase was completed using a Comenity Bank Credit Card. I was under the impression that I had purchase two round trip tickets but that was not the case. My intention was to cancel a previous flight I had purchase and buy two under the same reservation. This is an Issue that was disputed with XXXX XXXX and even though the flights were taken they still decided to issue me a refund and I was sent an email on XX/XX/2020 from XXXX XXXX stating that they were refunding me {$1500.00} for the misunderstanding since the purchase of the ticket went into review. 

The refund was not being reflected on my Comenity Bank Account so on XX/XX/2020 I created a dispute with Comenity Bank my account number is XXXX. 

My dispute was closed by Comenity Bank sending me documents that XXXX XXXX sent them saying that the flight was successfully flown but Comenity Bank is failing to understand that I had a dispute with XXXX XXXX before and was granted a refund. My flight was for XXXX XXXX and I Was granted the refund on XX/XX/2020. Supporting document was also sent to Comenity Bank but they are still refusing to represent me properly and are demanding me to pay for something I was granted a refund for. Comenity Bank closed my dispute on XX/XX/2020 with no solution for me other than to pay them. I find this unfair being that I was granted a refund by the merchant XXXX XXXX after having disputed my purchase with them prior to contacting Comenity Bank. 

I am asking for help in this matter. I did my part in taking the proper steps. I cant afford to lose this dispute being that again as stated earlier, granted a refund. We are in a global pandemic and every XXXX counts during these hard time.
Product: Credit reporting or other personal consumer reports

Dear EXETER FINANCE, I received a copy of my credit report and I have found the following items listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I NEVER gave EXETER FINANCE any written instructions to furnish any information STATING LATE OR UNPAID STATUS on my consumer report which is a violation of 15 USC 1681b. These companies have caused severe stress and anxiety due to the abusive and unfair practices. You all should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers!

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
EXETER FINANCE - XXXX I was never late on XX/XX/2022 for this account please update the account as Paid/Current. THE ACCOUNT WAS PAID IN FULL ON TIME. 

By the provisions of the Fair Credit Reporting Act, All three Credit Reporting Agencies should be reporting the same exact and accurate information. 

EXETER FINANCE- PAID IN FULL NO LATE PAYMENTS I demand these items be investigated and ANY late payments be removed from my report, and I demand that you provide me with concrete evidence and ALL documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I am not asking for verification of the account, but physical evidence for verification of payment history. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report reflecting the requested changes. 

Respectfully, XXXX : XXXX BENEFICIARY Without Prejudice, All Natural Inalienable Rights Reserved.
Product: Checking or savings account

I contacted Bank of America concerning a report that was submitted to XXXX XXXX stating that my checking account has been closed on XX/XX/XXXX no monetary loss but it was reported as suspected fraud activity. I contacted XXXX XXXX to have it disputed and was told that it would take up to 30 days for the dispute. I received a letter from XXXX XXXX on XX/XX/XXXX staying that the reinvestigation from Bank of America had updated the date of closure to XX/XX/XXXX, verified that no fraud claim was filed, it was closed according to deposit agreement and the source verified the information to be accurate and complete and as a result it will remain on file at XXXX XXXX. I proceeded to contact XXXX XXXX  again to further explain that I was not intending to dispute the closure of the account but the reason that it was reported and listed on XXXX XXXX. For the mere fact that the reasoning would remain in my account for XXXX years with no way or resolution to resolve it to have it removed. The representative proceeded to tell me that he would submit another dispute with the information I provided. That I could contact the institution to have them have it removed or wait on the reinvestigation that could take up to 30 days. I contacted BOA to speak with XXXX at XXXX XXXX on XX/XX/XXXX who informed me that BOA had made the decision to refuse to remove the reason of the report to XXXXXXXX XXXX from my report
Product: Credit reporting or other personal consumer reports

I try to login with my account on XXXX, and the website says " Please give us a call, we can't complete your request at this time. '' Equifax customer service says I am using a VPN, but I am not using a VPN. I need to access my account to unfreeze my credit.
Product: Credit reporting

Dear Sir or Ma'am, I mailed in a Multiple Inquiry Removal Letter on XXXX 2017 by certified mail in order to dispute information in regards to XXXX hard inquiries that were being reported on my TransUnion credit report. They received the letter at XXXX on XXXX 2017 and they completed the request on XXXX, 2017 ( 2 days ). 

The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a record of companies that obtained your credit information '' etc .... " If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 2 days after the receipt of my certified letter, one can assume that there was NO investigation into the matter. My wife and I plan to purchasing a home this year and having this many hard inquiries on my credit report displays a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. 
I have included ALL supporting documentation.
Product: Credit card

I have reported fraudulent charges in XXXX of 2023 and followed up with Citi Cards XX/XX/23. They had no information and thought maybe someone did not report the charges initially. Citi provided very little details, no case number, no verification the complaint had been recorded. Basically overall customer service is very poor.
Product: Debt collection

I was sent to collections when I should not have been. The collection agency had reported account open account balances incorrectly. I disputed with all credit agencies and has been removed by all credit reporting agencies but equafax. I provided proof from original company that the account should not be in collections and I actually have a zero balance. I have a letter from XXXX explaining this and both the collection agency and equafax refused to remove. They have violated FCRA guidelines. Please help. I have disputed 3 times and nothing from both.
Product: Debt collection

Discover Bank, by and through its counsel, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX, AZ XXXX, sued me for a credit card debt in which I did not owe under alleged account stated and breach of contract, and a judgment was issued against me for {$6600.00} ( XXXX Justice Court Case XXXX, filed XX/XX/XXXX ) on XX/XX/XXXX. I appealed the decision of the XXXX Justice Court to the appellate court ( Superior Court Case XXXX XXXX ). On XX/XX/XXXX, the appellate court ruled in my favor stating Discover Bank was not in standing to sue. The appellate judge found Discover Bank to be in violation of several state laws under Title 6 because it lacked the required state and/or national licensing and permits to legally engage in the business of banking in the state of Arizona. Wherefore, the judgment against me was reversed and vacated by the appellate court on XX/XX/XXXX. 
The appellate court stated that Discover Bank was in violation of A.R.S. 6-201, 6-217, 6-322 ( A ) because it is not licensed through the Arizona Department of Insurance and Financial Institutions ( or as a National Banking Association ) to legally engaged in the business of banking in the state of Arizona, which included, but not limited to, opening an account for, extending credit to, me as well as trying to collect on an alleged debt.

Inasmuch, it has since been verified that Discover Bank is in violation of A.R.S. 6-391, unauthorized conduct of banking business and false representation, by eng
aging in the business of banking in the state of Arizona by the use of the word " bank '' in its corporate name because it does not maintain a banking or branch office as defined A.R.S. 6-330, and pursuant to A.R.S. 6-391, it is unlawful for Discover Bank to engage in this state in the bank business as defined by A.R.S. XXXX. 
Therefore, I am filing an official complaint against Discover Bank AND its counsel, The XXXX XXXX XXXX XXXX, based on the following : 1. Slander, libel, defamation of character, and harassment ; 2. Violations of A.R.S. 6-201, 6-217, 6-322 ( A ), A.R.S. 6-330 and A.R.S. 6-391 ; 3. Participating in fraudulent schemes and artifices pursuant to A.R.S. 13-2310 ; 4. Illegal control of an enterprise and/or illegally conduction an enterprise pursuant to A.R.S. 13-2312.

5. Deliberate indifference because Discover Bank, by and through its counsel, The XXXX XXXX XXXX XXXX, displayed a conscious, reckless and blatant disregard of the consequences of it actions and omission by pursuing debt collection activities against me knowing full and will it was in violation of several Arizona law under Title 6 and Title 13 and causing harm and knowing its actions would cause harm against me would result.

6. I am not the only victim! How many people has Discover Bank illegally sued and fraudulent acquired judgments against consumers in violation of Arizona law!
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't dispute on my experian will not let me start an dispute XXXX  will only let me dispute one item XXXX  i can never get into my online account I paying money to all 3 companys
Product: Student loan

I am a recent graduate of the University XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, FL. I applied for a Sallie Mae XXXX study loan in XXXX. I was approved with a cosigner. After approval, Sallie Mae needed my cosigner to electronically sign the note. My cosigner was unable to electronically sign due to an ongoing error with Sallie Mae 's website. We requested a paper copy of the paperwork be sent. Sallie Mae sent my cosigner documents which he signed and sent back. I was then informed by Sallie Mae that the paperwork they had sent was the wrong paperwork, and that they would need to send the proper forms. Despite informing me that the forms would be put in the mail multiple times since XXXX, nothing ever arrived to my cosigner. I call Sallie Mae on a daily basis and am shuffled around and transferred to multiple people, who seem unable to send out a simple form. It is now two months later and I am still waiting to obtain the funds from my loan. I am repeatedly promised that the problem is being handled, but no one has resolved this simple issue.
Product: Checking or savings account

On Thursday XX/XX/2020, I deposit a check for {$34000.00} into ALLY Bank. I checked my account about 5 hours later making it around XXXX and my account was locked, I can not login, can not see banking information. I called the Ally 24 hour customers support at that point. The man who answered told me he could not tell me why my account was locked, problems usually get resolved in 1-2 business days and I would have to talk to Allys fraud department. I called back on XX/XX/2020 to the number I was given, I was asked the information of the person who wrote the check, not the bank, but the individual who wrote and their number. I complied and she said check should be verified in a few days. I called back the past two days XX/XX/2020 and XX/XX/2020 and both times the Ally representatives have been unhelpful, can not even tell me when my check will be reviewed or why it hasnt yet when its been 3 business. Today they woman told me she has no record of me calling prior to XX/XX/2020 and that I should wait till tomorrow when it has been 3 business days. They will not release my check either so I could go to a local credit union.
Product: Mortgage

RightPath Servicing has fraudulently placed insurance on my property and has not allowed my mortgage payments to be applied accordingly. RightPath Servicing has misappropriated my mortgage payments. 
RightPath Servicing claimed, on XX/XX/2022, that my betterments and improvements insurance had expired. At no time did my insurance expire. Betterments and Improvements is a clause found within insurance policies and NOT a policy that can be purchased separately. RightPath Servicing sent a letter on XX/XX/2022, as a Second and Final Notice that I needed to purchase Hazard insurance or they would place a LPI policy on my property and charge me for the cost. I have sent RightPath Servicing proof of Hazard Insurance, on numerous occasions, to the email address they provided, listed after the language, If you prefer you may update your HAZARD coverage online at :. RightPath Servicing does not deny that Hazard Insurance is NOT H06 Insurance. RightPath Servicing admits they werent responsible for sending a letter dated XX/XX/2022 claiming the obtaining of a H06 Insurance policy on my behalf, a letter I never received. RightPath Servicing can not provide proof of it being sent. RightPath Servicing did not provide a copy of this letter until responding to my complaint on XX/XX/2022. I immediately purchased H06 insurance after seeing, for the first time, that I was being charged for this policy. I was first made aware of RightPath Servicing requiring a H06 Insurance policy, when it appeared on my XX/XX/2022 mortgage statement. There is no such insurance policy as a Betterments and Improvements policy, again, this is a clause and not something that can be purchased individually. The same with Hazard insurance, it is not a separate insurance policy. If RightPath Servicing would have stated, since XX/XX/2022, that a H06 Insurance policy was needed, I would have purchased it then and not in XX/XX/2022. RightPath Servicing insisting I purchase Hazard Insurance was deliberately deceptive, intended to cloud this issue until such a time they would place an H06 policy on my property, backdating it to XX/XX/2022 and assessing me for coverage from XXXX thru XX/XX/2022. I was not assessed for this coverage on my XXXX or XXXX mortgage statement, it was not until XXXX, did they assess me, increasing my mortgage payment by {$1000.00} per month.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 

XXXXXXXX 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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment records that I strongly believe are incorrect and potentially linked to a data breach. These disputed items are : XXXX XXXX XXXXXXXX, XXXX. - XXXX - {$62000.00} XXXX XXXX XXXX - XXXX - {$20000.00} XXXX  XXXX XXXX - XXXX - {$2000.00} XXXX XXXX XXXX XXXXXXXX - {$2200.00} These records do not reflect my actual payment history. I have submitted documentation proving their inaccuracy, yet no corrections have been made. This has negatively affected my credit standing, and the continued delay in resolving this is unacceptable. 

The Fair Credit Reporting Act ( FCRA ) mandates that all credit information must be accurate. Any incorrect, outdated, or unverifiable records should be updated or removed immediately. I expect swift action to fix these errors.
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 XXXX Account 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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX -DATE OPENED XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  -DATE OPENED XXXX  Account Name : XXXX XXXX XXXX XXXX -DATE OPENED XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I have two documents in hand from the IRS, stating that I have money in my Wells Fargo checking account. Starting XXXX XXXXpresent. Wells Fargo is billing me {$35.00} for each overdraft fee, and/or NSF fees. Staring XX/XX/XXXX, XXXX I have been billed a total of 36 overdraft fees leaving my checking account overdrawn {$1200.00}. On-top of that instead of Wells Fargo crediting my checking account from the last stimulus check being {$1400.00}, they decide to bill me on a case XXXX a total of {$1500.00}. I spoke with Executive Office Case Specialist XXXX XXXX in XXXX, XXXX and we concluded that they credited my account due to past errors, and then my account was perfect. 
Where does overdraft protection play a role in this type of banking error? Why do they even offer it?
Product: Mortgage

I have auto pay set up then they claim I made a payment online on SatXX/XX/XXXX. I did NOT log in or make any payments. The extra payment was PULLED from TWO of my accounts by Mr Cooper. I read this you guys investigated the exact same thing back in XXXX affecting XXXX customers back then. I don't know how many others are affected, but I have two mortgages with them and BOTH of my accounts were double withdrawn on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the ongoing issue of an unresolved late open account on my credit report. This is my second attempt to address and rectify this matter, as the issue persists and continues to negatively impact my credit history, causing significant financial harm and distress. 

I would like to provide a brief summary of my previous attempts and the current situation : I initially discovered the late open account on my credit report. I promptly initiated a dispute with your credit reporting agency, providing all the necessary evidence to show that this account was inaccurately reported as late.

After my initial dispute, I patiently awaited a resolution but received no satisfactory response. Despite the dispute, the late open account still remains on my credit report, adversely affecting my creditworthiness. 

Following my previous attempt, I have made a concerted effort to re-dispute and correct this account. I have contacted your agency, provided additional supporting documentation, and communicated with the creditor involved. However, the issue remains unresolved. 

This ongoing situation has caused me significant financial hardship and emotional distress. I have diligently followed all dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and correct this late open account on my credit report. I urge you to rectify this matter promptly, as it is imperative for my financial well-being and peace of mind. 

I am well aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I am prepared to take further legal action to protect my rights and interests if this issue remains unresolved. I am asking for your assistance to correct the late open account : XXXX  XXXX XXXX Balance : {$1400.00}.