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

I have a store credit card with both XXXX XXXX XXXX XXXX which is handed by Comenity Bank. They supposedly did a system update on their web site about a month or so ago XXXX 2022, which I was not able to even access my account during that time. I called the customer service number provided and all it is was a recording saying to to call back at a later time and then it would hang up. I tried several more times for days after, and always got the same recording and hang up. In the meantime, I got a email saying my automatic payment information is no longer valid and my banking information needs to be updated, so automatic payments can not be processed, even though none of my banking information has changed. I went to the web site for both cards and updated it, even though nothing had changed, and it still did not accept my payment. After over an hour of messing around on their web page, I was able to get my XXXX payment to go through. I went to both pages, re-signed up for automatic payments, and waited to see if my Women Within account would be paid on XX/XX/XXXX, and it was not. I tried to manually pay, and it said it went through, but there is no refection of that on my account. Last month, XX/XX/2022, I had to manually pay, which also took four days to achieve, and they charged me a late fee, even though it was an issue with their web site and I tried everything in my power to make my payment. It was due XX/XX/XXXX and I was not able to get the payment to work until XX/XX/XXXX. I have tried to contact them via their web site and all it is as an automated response. I called the phone number, several times again, and it now says I am " not the authorized account holder '' and will not allow me to even find out my balance online. I am not sure how they can determine if I am the authorized account holder when all I did was enter my account number. I did send a message to the Comenity Bank XXXX page, but have not had a response yet. The XXXX page is the only place they have had anyone from that company respond to the numerous complaints about their service on their posts. I do not want their incompetence and lack of customer service effect my credit score.
Product: Credit reporting or other personal consumer reports

A few years ago I cosigned for a car loan For my son and it went through XXXX. Recently, my son refinanced the car so that my name could be removed and he would get a lower interest rate. I got a notification saying that the account was closed which dinged my credit again and it shouldve stated in all credit bureaus account in good standing paid in full. The loan was paid in full and transferred to another bank.
Product: Credit reporting or other personal consumer reports

I don't know who this Company is, I don't have any binding CONTRACTS WITH YOU, Stop All communications until you send me All Validation of Debts Documents.Why did you report on XX/XX/year> for ( {$440.00} ) Send Me A Copy Of My ID card So I can see if you have the RIGHT PERSON. 
According to 15 U.S.C.1692 ( c ) You have VIOLATED my RIGHTS by unlawful COMMUNICATION. PLEASE Remove this Collection off my Credit Report Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested XXXX XXXX XXXX failed to provide me with competent evidence that I have any legal obligation to pay you for over two years ( first reported XX/XX/XXXX ), and have failed to do so. XXXX and Transunion continue to report invalidated information on my credit report. which might constitute fraud under both Federal and State Laws. Which they both return notices the  debt is VERIFIED, not validated. I have asked to submit proof since XX/XX/XXXX of last year XX/XX/XXXX, and the debt collection agency has not. Proof I needed The agreement with your client that grants XXXX XXXX XXXX XXXX XXXX the authority to collect this alleged debt. Any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. Copies of all statements while this account was open. FDCPA entitles you as a consumer to validate a debt when a collection agency demands money from you. If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report. The notices i recvied dated XX/XX/XXXX, was a notice of my dispute of inaccuracy of the debt, but if fact it was not, but for validation of the debt. The company has never provided this information, has had over two years to provide this information, well over the 30 days
Product: Credit card or prepaid card

i purchased a service ( computer repair ) and was charged thru credit merchant ( XXXX XXXX  XXXX   { XXXX ( XXXX ) XXXX } ) said that wasnt ok so then i payed in debit after he showed me a refund verification ( i believe the payment/refund was processed by shopify ) ; i told this to my bank ( bank of america ) as i was charged XXXX $ twice and they rejected my claim ; they are rude and refuse to help me and they keep passing on the blame ; with my interest rate i owe more than XXXX ( 28 % irp for 3+ years ) just because of that single credit charge of XXXX ; bank of america gave me a case # ( XXXX ) as a working student i cant pay this off nor do i want too ; also the repair service did not work as the item repaired failed after a month ; i am also suspicious that non oem parts were used even-though i payed for oem parts ; i still have the computer if more information on that is needed. 
i am scared that this will continue to impact my financial life and nobody will help ; hopefully yall can ; thank you.
Product: Credit card

I am writing to formally dispute inaccuracies on my credit report and to provide context regarding recent fraudulent activity that has negatively impacted my credit. 
Recently, I was scammed by someone I trusted who advised me to use their bank account information to make payments on my credit accounts. Unfortunately, these payments were later returned, leading to account restrictions and, in some cases, closures. This situation has caused significant harm to my credit standing, and I am seeking your assistance in resolving this matter. 
I also want to bring to your attention that I had added XXXX XXXX as an authorized user to XXXX of my accounts prior to discovering this fraudulent activity. While XXXX XXXX was authorized, I want to ensure that any actions or payments tied to this account during the disputed period are properly reviewed as part of this investigation. 
I respectfully request the following : XXXX. A thorough investigation of the returned payments and their impact on my credit report. 
XXXX. Verification and correction of any inaccurate or fraudulent entries associated with this incident. 
XXXX. Removal of any negative marks related to these issues, as they were not a result of my actions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies on my Experian credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I am also notifying you that I am a victim of identity theft, which I believe stems from the data breach Experian experienced. As a result of this breach, my personal information has been compromised, leading to incorrect and fraudulent information being reported on my credit file. 

The following accounts are inaccurately reported as late : XXXX. XXXX XXXX XXXX Past Due Amount : {$370.00} Reported Late : 60 Days XXXX. XXXX XXXX XXXX XXXX XXXX Amount : {$450.00} Reported Late : 90 Days XXXX. XXXX XXXX XXXX XXXX : {$14000.00} Reported Late : 30 days XXXX. XXXX XXXX : {$4400.00} Reported XXXX : 30 days XXXX. XXXX XXXX XXXX XXXX : {$200000.00} Reported XXXX : 30 days XXXX. XXXX XXXX XXXX : {$32000.00} Reported XXXX days XXXX. XXXX XXXX XXXX {$19000.00} Reported XXXX : 69 days These reports are not only inaccurate but have severely impacted my credit score and ability to secure credit. I believe some of these accounts may have been fraudulently opened or affected due to the compromise of my personal information in the data breach. 

Under the FCRA, you are required to complete your investigation and respond within 30 days. Additionally, as a victim of identity theft, I expect Experian to take all necessary steps to ensure that my credit report accurately reflects my legitimate credit history and that fraudulent accounts or late payments are removed. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to you once again regarding the unauthorized credit inquiries that still appear on my credit report. As a consumer, I am entitled to accurate information reported about me under the Fair Credit Reporting Act ( FCRA ). Despite my previous dispute and my request for an investigation into these inquiries under Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) of the FCRA, I have yet to receive a satisfactory resolution or sufficient documentation justifying the presence of these inquiries on my credit report.

Disputed Inquiries :
Product: Credit reporting or other personal consumer reports

I recently submitted a report aiming to clarify incorrect information sent by the credit bureau to my email. I am writing to dispute an error on my credit card statement formally. Although I requested additional investigation into the matter, it seems to have been overlooked. Please provide prompt attention to this dispute and send a confirmation receipt to keep me informed of progress
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX : {$610.00} XXXX XXXX XXXXXXXXXXXX XXXX : {$1900.00}
Product: Credit reporting or other personal consumer reports

I recently made a payment of penfed gold card on XX/XX/XXXX, and my payment was due on the XXXX. I was extremely particular with this payment because our company is in the process of obtaining a business loan. I needed my balance to reflect the prior months balance and was told to make a payment of aprox {$300.00} and the balance would be the same. Instead XXXX, was reported to my credit report. On XXXX I reached out to penfed. I was told that {$8100.00} did not get reported to the credit bureau, and if that did happen that was an error. I was told they would have to dispute the report and it could take 30 days!!!!! This needs to be corrected right away or we will loose our loan!!! I asked to speak to a supervisor and got XXXX who was extremely extremely rude!!! He had kids yelling in the back and said there's nothing he can do!!!! Please review this call!!! I need the credit. Reported updated immediately! This inaccurate reporting dropping my score tremendously!!! I
Product: Credit reporting, credit repair services, or other personal consumer reports

I implore you to take action and remove these fraudulent accounts from my credit report. I have never authorized anyone to use my account and it is completely untrue. Please eliminate these deceitful accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX   XXXX weren't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested the credit bureaus to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Product: Prepaid card

On XX/XX/year> my account was closed. The company refuses to tell me what I did to violate the terms and conditions. I receive my VA XXXX payments to that account and this monthly payment is my only income. They closed my account without warning and tell me that the direct deposit will be returned to the originator. That does not ensure that my rent is paid on time. I not only have to wait 3-5 days for them to return the deposit, I then have to wait for the VA to re-issue it. I informed them of this and they refuse to do anything except tell me that my appeal is open and they will inform me in 30 days. Again, does not stop me becoming homeless. I want my account reinstated so that I can receive my direct deposit and withdraw it, then they can close the account if they choose. I've had the account 5 years and have never had this issue.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX i processed a payment using my debit card ending XXXX, XXXX XXXX the following day on XX/XX/14 i received a noticed that they were have problems with with the for of payment on file, so I called and advised the card number on file was not my account number I sent to them bank statement showing them the only two bank accounts numbers have use which are XXXX  # XXXX also XXXX  # ending in XXXX, I inquire what number did they have on file, they gave me a number ending in XXXX was not a valid account with XXXX  I was then asked to up grade the wrong information with my back account and routing Number, I have never made any payment to Avant using bank account and routing number however I did not want to update any information on there site because of the number XXXX if i had complied i would being confirm the wrong information was still on file, I followed up with my two bank statement one of XXXX  and XXXX XXXX XXXX XXXX XXXX i have not made payments since this occured and i am incurring late fees that they will not remove even after i sent the proof that the account ending in XXXX was never my account thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying unsuccessfully to submit a dispute to the company for inaccurate information on my report. I have been blocked from filing complaints online via the web portal, I have been blocked from filing email complaints, I have filed via US mail and they are ignored. I called the customer service number on XXXX/XXXX/XXXX to speak to someone about my disputes and was told I had not filed any disputes. I asked to file one and hey said in broken English I would have to mail it in with identification. I am going to provide this agency the disputed info and maybe you can get a response from this company. 
I have two accounts that they have listed on my report that I demand be removed as I proved in court were not mine. I will attach a copy of the dismissal from the company, if I am allowed to attach items. In case number XXXX XXXX XXXX XXXX XXXX XXXX i was sued for the alleged debts listed on my credit report XXXX XXXX XXXX, and XXXX XXXX. I was able to defend against these suits and prove that the accounts were not mine. XXXX was forced to dismiss without prejudice the suit. I also received a letter from XXXX XXXX sowing i did not owe the debt. 

I have contacted the company XXXX XXXX XXXX about this alleged debt that is listed on my report and they have no knowledge of me owing this debt now, and are stating they are not reporting it on my report. When i told this to the agent on the phone they said to mail in a dispute. I have disputed this in the past and asked for method of verification and never received a response. 

I notified this agency, XXXX XXXX, and the XXXX via a complaint that these were fraudulent accounts and have not received a response from anyone on these two accounts. I spoke to the store and they admitted to me that there was fraud but claim that they can not do anything about the entries on my credit report. the credit reporting agency refuses to allow a dispute This company goes out of there way to make it impossible for a person who is the victim of theirs to get a resolution to a dispute. They have blocked me from filing disputes, and say its for my own protection that i can not see my credit report, that is of course unless i buy there service then i can see everything online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard credit pull from the company below on XX/XX/2018. This is not something that I authorized or permitted but it has been showing up on my credit report. While I have contacted this company to have it removed they deny that they have any knowledge of this and will not take action. 

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

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$0.00}, XXXX  XXXX Balance {$0.00}, XXXX XXXX Balance {$15000.00}, XXXX XXXX XXXX XXXX XXXX Balance {$1800.00}, XXXX XXXX Balance {$2100.00}, XXXX XXXX Balance {$7000.00}, XXXX XXXX XXXX XXXXXXXX Balance {$2600.00}.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I requested that a collection account that was placed on my credit report be removed because it had not been " Validated ''. I requested that Experian " Validate '' not verify this account and supplied them with the documentation that the company had sent me as validation of the debt. This documentation did not have anything with my signature on it or anything that I requested from them to validate the debt. There were specific things requested that the company furnish to validate and they failed to. None the less Experian responds with they have verified the account. That was n't what I asked them to do again I asked that they validate it. The other issue is that a previous collection agency had place the same debt on my credit file and after requesting that they validate the debt, Experian removed it and they to only furnished a bill as validation. So now I do n't understand how Experian ca n't validate on one collection agency but can verify the other based off the same information that was submitted to them. Seems to me that Experian is practicing some illegal and unfair practices based on how they feel at the moment and not based on the laws. After searching the Secretary of the State of Connecticut, this collection agency is not registered or licensed as a business in the state of Connecticut and is not accredited by the Better Business Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I paid a collection account settlement with Castle credit ( formally Prime accept ). On that day I requested verification MULTIPLE TIMES for proof it would be paid off. I was denied that request. 

I was told on that date that the balance I paid would settle and close the account and it would be reported as such with my credit bureaus. It was reported as current on my experian report which isn't. After attempting to call and request the change as well as a letter stating that it was settled SEVERAL TIMES, as well as proof that they are prime accept ( I need that proof for an underwriter on for a home mortgage, I learned today, XX/XX/XXXX, that it was not even requested as it should. 
The issue with the underwriter is I have proof I paid castle credit, but they see prime as a seperate account even though the acct. numbers are the same, on both. 

I have also on reccomendation from the CFPB to dispute with experian as well. I would like this resolved quickly
Product: Credit reporting, credit repair services, or other personal consumer reports

applied for a XXXX credit card today XX/XX/2020 and I wasn't approved because there is an account reflecting badly on my credit report. The company that the account is from is called XXXX. I did not open an account with this company nor did I allow anyone to open this account in my name. I did not gain anything from this account being opened in my name such as money, goods, services or any other benefit nor did I ever make any payments towards this account. I do not have any written/verbal contract with this company and I never allowed them to run or access my credit information. I have already filed a police report regarding this suspicious account. I filed this report to the best of my knowledge.
Product: Mortgage

Roughly 15 years ago I acquired an equity line with Wells Fargo. The debt was supposed to be for no more than 15 years with 8 % interest. In XXXX I asked for help to reduce the interest but unfortunately they denied my request. In XXXX I called again because on the mobile application for Wells Fargo was not accepting my payments. When I had called they said that there was no problem at all and to keep paying as usual. They told me that at the end of the XXXX mark they would send me an official letter stating that they would resolve the changes. in XXXX, I called again reducing the interest or at least refinancing and again the denied my request. The lady I spoke with that day asked me Why, when I was about to finish in XXXX of XXXX. However, in XXXX I believe I received a letter stating that my finishing in XXXX was incorrect but it was actually going to be in XXXX of XXXX. In XXXX of XXXX I wanted to may a payment but the app would not accept it. In XXXX I received a bill for 1 CENT. So my son tried to pay it on the app and once again would not take. He called to report it and they said they would look into it. Later that month I received a phone call stating that I still owed {$38000.00}. Even though I made sure to make all payments, even though some were possibly 3 days late I still made sure to pay extra. We called and they said they would look into it and we never heard anything from them again. I have the name and numbers from some of the associates I spoke with that told me that I would be finished in XXXX. 
Most of my payments have been through mobile pay, after we left XXXX XXXX XXXX and moved to Wells Fargo.
Product: Debt collection

CREDENCE RM is claiming that I owe them {$600.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to get insurance on my vehicle for some time now. Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the repor. The things I have listed on this application are not mine. Please remove these items from my report.