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

XX/XX/XXXX I purchased items at a XXXX store and got issued a new card from Comenity Bank for {$90.00}. They sent the new card and sent the Statement/Bill- and I paid it. on time. 

XX/XX/XXXX I purchased items at a XXXX store for {$260.00} - I never recieved the bill/statement. By e-mail on XX/XX/XXXX Comenity bank stated that stated they changed to a different system and were waiving any late fees whose payments were due XX/XX/XXXX thru XX/XX/XXXX, I got nothing in the mail which is how i pay ( store Credit cards ) I never chaanged how i go my Bills from XXXX to XXXX. 

XX/XX/XXXX thru XX/XX/XXXX I was in XXXX on Vaction and mail was picked up every day by house/Dog sitter. NO statement was mailed. 

XX/XX/XXXX I purchased items at a XXXX store for {$210.00}. no problem XX/XX/XXXX Email from Commenity bank states they are concerned and wanted to " talk '' - still nothing in Writing. 

XX/XX/XXXX Email says statement is ready and payment is DUE XX/XX/XXXX. 

XX/XX/XXXX, Email states my payment of {$30.00} is due on XXXX, XXXX XXXX (? ) XX/XX/XXXX - Called 3 times nothing resolved total time 40 minutes. Canceled card. 

XX/XX/XXXX Letter 1st correspondance recieved. Stating I owed {$560.00} - no breakdown in costs, nothing to verify why would owe this when it was the first time I recieved. 

XX/XX/XXXX I called and complianed to XXXX. I am emailing them a copy of this complaint and paying the bill at the store. At XXXX XXXX Comenity Bank is in a complete financial mess and holding customers XXXX and NOT issueing bills as agreed, then collecting fees they say are due but in reality are fraud. 

Comenity Bank - XXXX XXXX XXXX XXXX Ohio XXXX Comenity.net/XXXX Comenity Bank XXXX XXXX XXXX, XXXX TX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX, MA XXXX
Product: Checking or savings account

On XX/XX/year> I was called by a person purporting to be an employee of Citibank, calling from a number listed as Citibank. This person had access to my account information, having fraudulently opened my online banking information. This person further advised that my account was hacked and I had to take steps to reverse fraudulent transactions. Believing I was speaking to a Citi employee, I did as instructed and initiated four wires when I thought I was reversing them. One wire was returned which made me think I had been in contact with a Citi employee. The three transactions for which only part of the money was subsequently returned are summarized : {$25000.00} XXXX XXXX wired to XXXX XXXX XXXX XXXX : XXXX XXXX acct XXXX XXXX {$20000.00} XXXX  XXXX wired to XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX acct # XXXX {$18000.00} XXXX  XXXX wired to XXXX XXXX XXXX XXXX / XXXX XXXX XXXX acct # XXXX A few days after, when the transactions were not reversed, I contacted Citibank and reported the transactions to the local FBI office. Citibank did attempt to have the receiving bank return the funds, and were able to get {$12000.00}, {$11000.00}, and {$2700.00} returned. Citibank has since advised the remaining funds will not be returned and they are not responsible for the difference.
Product: Debt collection

I got a phone on payment plan and returned the phone. I closed the account. but this still shows up on my report. I didn't know of this amount owed until I saw it on my report and in XXXX
Product: Credit reporting or other personal consumer reports

My personal and financial information was comprised without my authorization. The Family Education Rights and Pruvacy Act ( FERPA ) protects the confidentiality of students records.

This breach is a clear violation of FERPA and your responsibility to safe guard my information.

Given the severity of this breach and resulting comprise of my personal information.
Product: Mortgage

On XX/XX/XXXX, I signed a HELOC agreement for {$150000.00} from XXXX XXXX XXXX Loans. For two years, I made regular monthly payments in the amount of over {$1000.00}. Unfortunately, in XXXX, during the recession, our small business was hit hard. Between trying to make the first mortgage payments, keeping the business afloat, and providing for my family, I couldn't afford the payments to the second mortgage company. I didn't hear from them for 12 years while my house was upside down, and during the COVID crisis now, a company called Specialized Loan Servicing ( SLS ) sent me many intimidating phone calls and emails for an amount of {$200000.00}. 

In XX/XX/XXXX, we were notified that a sale date had been set for our home for XX/XX/XXXX. We contacted many different organizations and entities to help us resolve the issue and stop the foreclosure. During one of these conversations, while also on the phone with XXXX, just one week before the house was to be sold, we were notified while on that call that the foreclosure proceedings had stopped. We immediately contacted XXXX to find an answer to why the proceedings had stopped and the status of our situation. Unfortunately, we never got an explanation or answer to the matter. 

Now, almost a year later and after attempts to get a loan modification, which was not feasible due to the {$60000.00} down payment XXXX requested, and a loan refinancing interest rate three times higher than my current first mortgage interest rate, they issued an auction date at the county courthouse for XX/XX/XXXX. We did not receive the filing of the notice for sale until XX/XX/XXXX at XXXX, more than a week after the notice was filed by XXXX XXXX XXXX and Certified Mail by USPS XXXX XX/XX/XXXX.
Product: Debt collection

I was contacted by JPL Recovery Solutions on XX/XX/2018 at XXXX EST to collect on a debt for a credit card that I owed for XXXX XXXX in the amount of {$750.00}. The gentlemen I spoke with said his name was XXXX XXXX. XXXX told me they sent me out a letter in XXXX stating they took over the debt and I hadn't responded. I never received this letter and have proof that it was never mailed. The USPS has informed delivery which shows every piece of mail that has been delivered to your house and there is no letter from JPL Recovery Solutions. I was unaware they had the debt prior to them contacting all of my family members and me yesterday XX/XX/2018. He then proceeded to tell me that unless I made a payment that day, they were suing me for {$2200.00} plus attorney fees and court costs. I panicked and agreed to set up a payment plan. He was to call me Friday XX/XX/2018 to finalize the payment plan. When he called me today Friday XX/XX/2018 at XXXX EST, I asked him for the address of his company so I could send out a debt validation letter to verify they own the debt for my protection. He refused to give me the address and kept telling me I was avoiding paying my debt. He told me to call XXXX XXXX and they would verify my debt to them but refused to provide any verification of the debt. I asked him several times for their address and he kept refusing and then said they are suing me for the amount owed and hung up on me. I have a right to get the debt validation as they have NEVER sent me anything with proof they own the account.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX in XXXX, XXXXIn the morning of XXXX XXXX I received an email regarding a remittance to XXXX XXXX XXXX XXXX in the amount of {$400.00} to a XXXX account in the XXXX ending in XXXX but I don't know the person and I never did the transaction and haven't send money since XXXX so I went to my remitly account and saw there is really a transaction so I called remitly but there phone service is not working due to covid 19.when I check my remitly account I saw another transaction so I tried to cancel it but I can't so I deleted all the cards aasociated with my account and called my bank which is XXXX XXXX  to hold any transaction which they did but there were already 4 transaction on my remitly account in the amount of {$400.00} dollars plus the charge of {$3.00} and {$1000.00} then {$800.00} and {$750.00} with charges of {$3.00} each except the {$1000.00} which is free.i went to the chat of remitly as that's the only way I can communicate with them and told them to cancel the said transaction but they can't do it as well on their side and told them to email XXXX  in the XXXX  regarding this unauthorized transaction and they said I have to wait for 10 to 15 days but with no assurance.i went to my bank and they said they cant do anything as the transaction is still pending but was able to dispute it and I have to wait for 10-15 days as well.thats my hard earned savings that was taken without my knowledge and with ongoing crisis I'm not sure if I can pay my bills and support my family.please look into this matter.thank you
Product: Credit card or prepaid card

CAPITAL ONE I PAID ON THE WEBSITE XX/XX/XXXX AT XXXX CENTRAL TIME I HAVE PROOF IN WRITING THAT I DID THAT. I ALSO PAID IT AT XXXX THE MONTH BEFORE AND THEY CHARGED ME A LATE FEE THIS TIME OF {$38.00} AND LAST TIME A LATE FEE OF {$25.00}. IM NOT HAPPY THAT THEIR WEBSITE IS SHOWING THAT I PAID LATE EACH TIME ITS WRONG. I WILL NOT PAY THIS CARD UNTIL IM CREDITING FOR THIS LATE FEE. THEY SAY I PAID AT XXXX EASTERN TIME AND I DID NOT. THERE SYSTEM IS HAVING PROBLEMS THIS LAST 2 MONTHS CHARGING PEOPLE I KNOW ALSO FOR LATE FEES WHEN THEY ARE NOT LATE EITHER. 
I CALLED XXXX MGR AND XXXX  MGR NEITHER ONE WOULD CREDIT ME.
Product: Checking or savings account

I spoke to Bank of America because I noticed through my mobile app that my account was changed from a Savings Account to a Checking account. I also had repeated charges for Insufficient funds since 2021 on this new Checking account. I was not aware that Bank of America converted my Savings account into an another account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Also, It's already been paid the company agreed to removed/delete it. Please remove/delete the following accounts completely from my Credit Reports : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue?
Product: Checking or savings account

I use USAA bill pay. I set up my payments as usual. I typically allow XXXX " buffer Days '' from the actual bill due date to account for any delays in processing. I set up a payment to pay my XXXX XXXX  credit card. The payment was taking a bit longer and when I checked it was not deducted from my account in the usual time frame. when I opened my billpay transaction information, it stated a physical check was mailed on XXXX XXXX  for a XX/XX/XXXX bill. As I made several inquiries it was found that XXXX transactions was doing the decisioning of ACH vs physical check. I was double checking if a check would be sent by default and if there was any processing error that would have chosen this method. The answer shocked me, it is up to XXXX card to provide how they want to be paid, and that there is logic that states if it is a " small amount '' pay by ACH, and if it is a " large amount '' pay by physical check. 1 ) I did not get a notification on USAA side ( text box ) this payment may be delayed as it will be sent via a physical check, you may want to choose a different method of payment to ensure you do not incur and fees or penalties. 2 ) I believe this is predatory lending, how can I know if I typically only charge XXXX /mo that a XXXX charge would follow a different payment method ( taking much longer ) and be set up to be delivered late and charge fees purposely on a larger amount. I believe a customer would not be able to randomly adjust the payment time without the knowledge up front that the payment is going a different pathway. I find fault with USAA to allow this option, and to not give notice/option to cancel a payment by providing this information while you are in the process of setting up a payment. the stages in payments for billpay, are processing, and then a physical check was sent, which happens after a time.other people may not have put XXXX and XXXX together because some payments go through and some are delayed, ultimately giving up and paying online or in the store ( simply not using the service ). I would like to see a blurb/text box pop up if a company does different payment methods and what the terms are in advance of setting up a billpay. it is not enough to send a physical check with XXXX business days to get mailed, processed and credited, which is what the XXXX decisioning is set to for XXXX payments from USAA. Thank you
Product: Debt collection

CLARK COUNTY COLLECTIONS ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$260.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over 5 letters for Experian credit bureau to remove addresses that are on file that Ive never lived and are also business addresses and they are removing 1 at a time per letter or they will just update the addresses instead of all of them and Im tired of playing mailbox.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXXXXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX  XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX mailed check for balance listed on credit report : {$310.00} Called several times to check the receipt of the payment. Contacted attorney for cashed check proof it was emailed to me. XX/XX/XXXX emailed proof of cashed check to XXXX XXXX to # XXXX XX/XX/XXXX sent an email to XXXX as directed with all proofs that I had previously submitted.
To this day I have heard nothing, and my credit file continues to show that I owe on this account.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering loss funds was impossible, and that the tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers, but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

equifax and experian are reporting an incorrect balance for my XXXX XXXX account ending in XXXXThey have been reporting incorrect information for this account for XXXX months straight, ive reached out to the XXXX bureaus and only transunion has corrected my account.This incorrect reporting has made my FICO score go down XXXX points and made my score go down with the XXXX bureaus, ive worked very hard to pay my credit cards off and now im getting punished for doing the right thing, can you guys reach out to experian and equifax and tell them to report the correct information right now.Experian and equifax are reporting a balance of XXXX dollars for account ending in XXXX, that is incorrect it should be XXXX dollars.Ive also tried to dispute this issue with XXXX XXXX and nothing has changed so if you guys can help me resolve this proplem i would greatly appreciate it.Thank You.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$16000.00} **Inquiries** XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? I'm feeling unsettled due to the presence of inaccuracies in some listed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I happened to have a person who shares the same name and last name with me in XXXX Wisconsin. I paid off all my debts on my credit but collectors keep putting his activities on my credit report. 
1 ; three account all from woodmans grocery store. the amounts are {$130.00}, {$120.00} and $ XXXXThese are negatively affecting my credit report on XXXX. I know this person and talked to him about it and he admitted the accounts are his. Can you please help me and make sure this doesn't happen again. This not the first time,
Product: Debt collection

Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. 

With that in mind, I would like to propose to settle this debt for {$62.00}.
Product: Credit reporting

Experian is reporting a alleged mortgage on my credit profile for something I 've never had. I do not have nor have I ever had a mortgage with XXXX XXXX. No other credit report is showing this information and after investigation Experian says it is accurate. That is impossible because I 've never had that mortgage. Do n't they have to provide me with proof that that debt belongs to me?