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

Customer Service XXXX. XXXX  XXXX XXXX, OH XXXX Dear Comenity Credit Card Services, Under the provisions of Massachusetts General Laws, Chapter 93A, Section 9, I hereby make written demand for relief as outlined in that statute. 



I recently signed up for a XXXX XXXX Credit card provided by Comenity to make a purchase. Once the purchase arrived the items did not fit so I sent them back right away. My first statement had a due date of XX/XX/XXXX for the first payment. XXXX XXXX received the returned pants on XX/XX/XXXX and a credit was issued for the amount of {$57.00} resulting in a remaining balance of {$6.00} on my account. Unfortunately I was {$.00} short in paying the remaining balance in full with a {$6.00} payment that they received on XX/XX/XXXX before the statement was due. On my XXXX statement the credit card company whacked me with a late fee of {$29.00} and minimum interest charge of {$2.00}! 



This company in the midst of a national crisis should be ashamed of themselves. My wife is a XXXX XXXX and has not been able to work yet the credit card companies will continue to profit by being ruthless and unfair. I called their customer service line and spoke to their representative XXXX  who was polite but not willing to acknowledge that, from a transactional standpoint, I was only late on {$.00} due to my math error. 



I have included the following documents for reference : Copy of original statement and hand notes of my XX/XX/XXXX payment Documentation ( hand note ) of my call to customer service on XXXX Copy of refund receipt Copy of most recent statement with unfair fees Summary of transactions downloaded from Comenitys online portal Section 2. ( a ) Unfair methods of competition and unfair or deceptive acts or practices in the conduct of any trade or commerce are hereby declared unlawful.

( b ) It is the intent of the legislature that in construing paragraph ( a ) of this section in actions brought under sections four, nine and eleven, the courts will be guided by the interpretations given by the Federal Trade Commission and the Federal Courts to section 5 ( a ) ( 1 ) of the Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ( 1 ) ), as from time to time amended.

( c ) The attorney general may make rules and regulations interpreting the provisions of subsection 2 ( a ) of this chapter. Such rules and regulations shall not be inconsistent with the rules, regulations and decisions of the Federal Trade Commission and the Federal Courts interpreting the provisions of 15 U.S.C. 45 ( a ) ( 1 ) ( The Federal Trade Commission Act ), as from time to time amended.

Therefore, I hereby demand the following relief : I will pay the remaining {$.00} balance as long as the {$31.00} fee and any future late or interest fees are dropped.

Chapter 93A gives you the opportunity to make a good-faith response to this letter within ( 30 ) days. Your failure to do so-could subject you attorneys fees and cost if I decide to institute legal action.
Product: Debt collection

i had loans that were with navient yhat were reporting late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, i spoke to coustomer service and we determined that i was in deferment or forberance at those times so my credit report should not be showing late. they said they were gon na fix it but nothing has happen yet
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name XXXX XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. This has been a ongoing issue since 2020. Despite the attempts they have still 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I am submitting to formally dispute an items on my credit report that I believe is the result of fraud. I have identified these items as fraudulent, as they does not belong to me and were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXXXXXX XXXX XXXX  XXXX  XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$4100.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7300.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$5500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I had went to TitleMax in Illinois to get a title loan and I had brought them everything that they had asked for I was on unemployment at the time and my unemployment had ended well the GM at the Illinois store had seen that I had no income and I would have been fine with them telling me that I was not approved for the loan but she went about it her own way and head not told me what the interest rates were not told me how much the payments were going to be nor told me what the payoff would be after it was all said and done well 30 minutes after I left the business I called to the loan company TitleMax and had told them that I did not want the loan after I looked over paperwork online and she refused it and told me that I can not bring check back up there that she will not accept it and had made the remark by the way I love repoing vehicles I have contacted the company numerous of times and try to settle out with them and they won't accept the offer I feel like they took advantage of me knowing I did not have no income nor any way to pay my loan off and when I try to return the check they gave me they refused it I feel like they should be held accountable for all the illegal actions they took as in refusing to verify my income refusing to accept the payment back 30 minutes after I left the store refusing to settling out with me and charging me 134 % interest rate once again knowing I do not have the income to pay it back and I would have been fine with him telling me I'm sorry ma'am but you are not approved but instead they took advantage of me what legal actions can I do to hold them accountable for their actions
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit bureaus are reporting two late payments reported on XXXX & XX/XX/XXXX from the XXXX XXXX XXXX XXXX Account. I contacted XXXX XXXX XXXX XXXX  previously and requested removal of both late payments and was told you could not honor my request. On XX/XX/XXXX, I called customer service again and requested a payment accommodation to wave the late payment fees, in the amount of {$38.00} that occurred during this time. Which was granted by XXXX XXXX XXXX XXXX. In my letter I mentioned the passed Coronavirus Aid, Relief and Economic Security. The Credit Reporting Scores under the CARES act, the federal government put in place special protections that change the way creditors report information. The law requires creditors to report any account that has a Payment Accommodation Applied to it as current to the credit bureaus- as long as the account was current when the accommodation made. It states the creditor needs to report to the credit bureaus that you are current on your loan. 
I received a credit bureau review letter on XX/XX/XXXX from XXXX XXXX stating has reported the payment history accurately as required by law. I'm disputing this because of the CARES act states since they provided me an accommodation, they must remove the late payments off of my credit report. Please assist me and thank you for your help with this matter.
Product: Debt collection

This company claims to be a capital one credit card. They say my original debt was {$850.00} but it's gotten up to over {$3000.00} in fees. I told them to send me any information via regular mail. If it's the same company, they have been calling my parents. I told them that if I do owe the debt, I need to see it in writing otherwise I believe they are a scam. If it's the same company, they are calling my parents a lot. They said they are going through XXXX County courts but I called the courts and they do not back up what this company is claiming. I am fine in my county.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a credit freeze and fraud alert on my account with Equifax a couple years ago. 

When I applied for credit a year or two ago, I needed to remove the freeze and fraud alert. So I snail mailed then the required information. But it was never lifted. 

Equifax never fixed the problem a couple years ago. I didn't follow up on it back then because the banks I was using used other credit reporting companies. But now I see that it is a problem, because XXXX uses Equifax. 

Today I applied to open a bank account at XXXX XXXX, but was turned down because of the freeze and fraud alert. So I went online to unlock the freeze. But there is still a fraud alert, so I couldn't open the account. 

I tried to phone Equifax XXXX, but the voice ID doesn't work, and the hold time is interminable.
Product: Checking or savings account

In XX/XX/XXXX, I got a phone call from a Santander representative notifying me that my overdraft account ending in XXXX is 60 days overdue. I was in complete shock since I knew that I have never used my overdraft account. After further research, I found out that the balance from this overdraft was due to a check from the account ending in XXXX, of which I share with a co-applicant. It was the co-applicants check that was overdrawn. I have never given Santander the right to pull money for checking account XXXX, from my overdraft account which is only under my name ( the two accounts were not even opened at the same time ). I did not receive any statements in the mail notifying me that my overdraft account was used. 

On XX/XX/XXXX I reached to Santander and was in touch with a Business relationship manager with the name XXXX XXXX. She very clearly advised me of the following ( in an email - see attached ). 

" I was advised that the delinquencies will be removed if the customer brings the account current, and a new Service Request is submitted requesting to remove the negative reporting. '' I followed through and made the payments the next day as a courtesy even though I still felt that I don't owe Sandander anything. 

But when I followed up with the representative and gave her my payment confirmation, she backed tracked her words and told me she could not remove the delinquencies. 

Santander had no right to use my account for an overdraft from a different account that is not linked in any way. That check that was overdrawn was not mine ; it was from the joint holder from the account ending in XXXX. 

But now Santander leid to me ( very clearly in an email ) when they said that if I do go ahead and make a payment then they will remove the delinquencies, but they just fooled me because after I made the payment, they backtracked their words. 

It is not fair for a bank to promise something and then not do what promised.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. Among other inaccurate factors. This is grounds for removal. They also violated my rights under 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section A sec 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following items of information. 15 USC 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. XXXX, XXXX and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the accounts/Inquiries below be removed immediately per my instructions enclosed :
Product: Credit reporting, credit repair services, or other personal consumer reports

This compliant is in regards of the recent accounts being reported on my consumer report that I will share below, that the credit bureaus have been reporting causing a high negative impact on my consumer report.I have been aware that since I open these accounts with these companies I made some uninformed decisions.First I was never giving any clarity of these agreements and the agreements was not conspicuous.15 usc 1601 makes it clear and conspicuous that if I was giving the proper information where I can understand any agreement in a credit transaction thats this would have been avoided and I would have been aware of the actual cost.To my knowledge there is no evidence of these debts, the only evidence would be the agreements.But because of the uninformed decisions these agreements has been voided. I was not giving an adequate notice where I could reasonably understand the full meanings of the agreement, where it seem these companies have only benefited.The very long agreement was very stressful to understand and over-stand any verbiage used in it.Even after trying several attempts to get any understanding from these companies I misguided.I highly dont believe the generated systems these companies use to send consumers these agreements gives adequate notices where all consumers can understand as well.According to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be EXCLUDED from a consumer credit report.Therefore these reports should have not been reported. The definition of a credit card under 15 usc 1681 relates as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose obtaining, money, port, labor, or services on credit. Congress makes its clear and states that ANY card. So basically the credit card used would be my social security card.This is the credit card I used to begin ever consumer credit transaction below.So if anything these accounts should be reported as paid in full and payments updated as on time. I would like to demand that you these credit bureaus do just that or remove these transactions from report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 


These following accounts need to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXXXXXX XXXX Open XXXX/XXXX/2022
Product: Checking or savings account

XX/XX/year> - Can not log into my bank account neither online nor through the mobile app. There seems to be a system wide outage. A number is provided, but they are not available during these hours. There is no explanation for not being able to access my bank account neither for myself nor for others that are affected system wide. I have not tried using my card yet, but other 's are saying that their cards are frozen as well.
Product: Debt collection

I have tried to contact Midland Funding over 10 times in regards to a debt that they sued me for ( and won a default judgement. ) I am trying to eliminate the associated lien on my property and Midland has not even responded to my REPEATED requests. I have called them on the phone numerous times and sent them email, XXXX letters and filled out forms on their website. 


I need them to release the lien on my property IMMEDIATELY and report to the state of WI that all of my judgement has been satisfied.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the Equifax and XXXX data breaches and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I have no knowledge of the closed accounts and the open account that are stated on my report. These accounts are showing up and are harming me financially. One of them is a car loan account that I have a title to already. If not removed, I will sue. I need these fraudulent accounts removed expeditiously.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ALSO KNOWN AS : XXXX XXXX XXXX EMPLOYER : XXXX XXXX. 
EMPLOYER : XXXX NAME : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

The creditor did not verify this debt per FCRA rules within 30 days after receiving notice. 
I asked for verification and their balance reported to the bureau differs from what they claimed I owe. Without validation of the debt as per FCRA, they went on to report despite numerous letters to them. I have attached all relevant documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion Consumer Report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a dispute with Experian over a collection account listed on my credit report. The issue pertains to the accuracy of the address associated with this account. 

Upon reviewing my credit report, I noticed that a collection account is attributed to a company located at an address in XXXX, Texas, when in fact, the company is situated in XXXX XXXX, Texas. This inaccurate address detail could potentially affect the legitimacy and reporting accuracy of the collection account. 

I took proactive steps to dispute this inaccuracy directly with Experian. However, despite my efforts, Experian failed to verify this crucial address detail before marking the collection account as accurate.
Product: Credit reporting

I have sent Trans Union XXXX certified letters asking them to verify that items being reported on my credit report be verified correctly under Section XXXX ( a ) ( XXXX ) ( A ) and Section XXXX ( a ) ( XXXX ) ( A ). They have also failed to provide the method of verification as required under XXXX XXXX XXXX a ) ( XXXX ). 
They continue to respond that the items listed have been verified yet ignore my requests to provide copies of original documents with my signature on them.