23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am submitting this complaint because I am being extremely affected by Comenity, they are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

The charges were fraudulently made I was not aware that the XXXX store had opened an account for me. I believed it was a discount card. There was a {$5.00} charge I never authorized that charged into {$95.00}. 

Account information : Account number : XXXX XXXX XXXX XXXX. 
Account status : Paid and Closed. 
Date Opened : XXXX. XXXX, XXXX  I am requesting a deletion account from all credit bureaus.
Product: Checking or savings account

There are four charges on my Checking account for a store that I have never been to, in a city I've never visited. These charges were made on XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX, XXXX, and XXXX for XXXX $ for a total of XXXX XXXX The store is XXXX XXXX and XXXX XXXX in XXXX, California, which again I have never visited. 

I submitted a claim with Wells Fargo and received a letter saying that they found the transaction was made by me or someone who had my permission. I called them and they said the same thing. I know for a fact that I didn't make these transactions and that someone was able to steal my information, so the fact that Wells Fargo refuses to do anything is upsetting to say the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a charge off account from security finance in XXXX ga XXXX, I've repeatedly called them and tried to pay it off but they say the accounts closed and written off, but yet they keep hitting my credit with late fee charges,
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint regarding this account XXXX XXXX XXXX, Account # XXXX XXXX to Experian, XXXX & XXXX XXXX XXXX have already received a response from XXXX XXXX XXXX XXXX XXXX dated XX/XX/2022, in response to my Dispute letter to Validate the alleged debt I owe to them. They confirmed that they had already closed the file and terminated the collection action to an account stated above.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$710.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

I have purchased two vehicles from US Bank. The seller was XXXX XXXX in XXXX. Vermont. My wife and I purchased them together and we have outstanding credit and supported income. We have lived in the same house for five years. We leased a XXXX and turned it in when the lease was up. We also leased a XXXX XXXX pick up and the lease is now over. We attempted to purchase the vehicle. They contacted us and took our credit information. We took a hit on our credit score only to be told that our credit was good we are just got done paying off a 3 1/2 year lease perfectly with no missed payments. US Bank ran our credit score dropped as a result and they sent us a letter of denial saying that they could not determine our address. Our address is the same address that we have had with them for five years and two vehicles now they're telling us they can't verify our address. They have been to our house to inspect our first vehicle where it was sent back after the end of the lease. Now our second vehicle would either be sent back or purchased and as I said we decided to purchase. They're telling us now that we have to pay cash in full for the car but we wanted to finance the car which is one of the options they offer but again like I said they declined us in writing stating that our home address couldn't be verified. We have been getting mail at the same location for five years regarding both of our vehicles by them. This is terrible. It seems like a scam. I'm not sure what to do. Obviously I'm looking for another vehicle and I had to release this one for an extra two months. I'm filing a complaint with the consumer financial protection program about the treatment that I received from this banking institution by pulling my credit and my wife 's taking a hit with the credit and then being declined which is outrageous. We have very high credit scores and the appropriate money to show. I think someone there just did not like us they were rude on the phone when they were taking the credit application and then they hung up on us so I suspect that's what's going on with this decline. They can not treat consumers like this and they also can not run consumers credit having it meet all the criteria 's and then still declining us because they have a personal issue. XXXX XXXX
Product: Credit card

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 : {$200.00} Amazon Gift card I purchase with Reward points XXXX XX/XX/XXXX Order Number : XXXX. 
The last time I talked with you ( XXXX XXXX XX/XX/XXXX ) I was assured that my Gift Card would be canceled and my points restored to my account. In fact the agent guaranteed that would be the case but to wait at least 10 days for the result. 
That was simply a lie intended to just make me go away and stop bothering you. Your recent letter ( XX/XX/XXXX ) clearly states that a gift card can not be canceled, refunded or returned, proving the lie. However, I want to keep and use the gift card, but you have not provided a way for me to access it, since XX/XX/XXXX. 
The Gift card is digital and I was supposed to receive an email with a link to get access to the gift card. I never received the email and it is now clear that you have a problem with your email. Another recent attempt at your email also failed. I still have a {$200.00} Amazon Gift card that I can not access. I am very disturbed at the possibility that Card Member Service is intending to use my gift card for their own purchases.

Since your emails do not work, I have a solution to our problem. Simply print a copy of the alleged email and send it to me by USPS hard mail. Be sure the link is visible so I can connect to whatever is next to retrieve my digital gift card. I received another letter ( XX/XX/XXXX ) in which you claim you can do nothing to help me. So, I expect you to comply with my request for a paper copy of the email that continues to fail. If you refuse to comply with this request I will be forced to file a complaint with CFPB and/or FTC. 

Sincerely, XXXX XXXX NOTE we contacted customer service several times and they " claim '' they sent an email with link to access the gift card but no such email was ever received. They have sent 4 separate letters claiming the email was sent but it was never received in either of my two email accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 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.
Product: Credit reporting or other personal consumer reports

I requested a 3 month deferrment XX/XX/XXXX ; due to temp being laid off. Payments pickked back up successfuly as of XX/XX/XXXX. After numberous calls, XXXX, emails and letters. The company is reporting 30 days late for the month of XX/XX/XXXX. i had a deferrment for the moths of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
I was also informed that maybe we did not get your intial request in XXXX, or it didnt land in the appropriate department ; fill put paperwork and lets see what happens. I filled out paperwork again second time. 
Finally I was tol to write a leter to dispute in XXXX texas about the 30 day latenes of XXXX XXXX that letter was writtine XX/XX/XXXX. I have yet to hear any update. I cslled merceds financial service back to inquire about my dispute letter. I was told that theres no way they can XXXX to see if XXXX XXXX XXXX  in XXXX texas received my letter ; i was also told that there is no telephone number that they can provide me to see if they received my letter. I explaied to the representative, far as I know that this could be a ghost company im sendig letter too ; representative responded " pretty much '' overall, i was never late for any of my car payments since purchasing this vehicle XXXX. In addition i have been in XXXX XXXX the past XXXX yrs and never with any miss or late payment. I just dont undrstand why this matter can not be fixed within XXXX. 

i was also told by meredes to dispute with XXXX XXXX in which i did and they will f/u ; of course that never happended as well. Any assistance would be greatly appreciated
Product: Debt collection

This doesnt belong to me! I have no idea what this company is!
Product: Student loan

On XX/XX/XXXX, I requested to increase my Autopay amount to pay off my loans faster. The only way to do this is to cancel my current Autopay series and addd a new one, so this is what I did. I received confirmation that my Autopay had been cancelled and my request to enroll had been received. 
On XX/XX/XXXX, my payment due date passed without notification. I guess this is my fault for not checking that my new Autopayment had been processed by the due date. 
On XX/XX/XXXX, I received an email that my payment had been missed. I immediately logged on and made a manual payment of the full amount overdue plus the next month 's payment, {$420.00}. I received a payment confirmation for this payment. 
On XX/XX/XXXX, I received another email that my payment had been missed. I logged in on the XXXX to find that while a record of my payment on the XXXX existed, it had immediately been reversed with a " Payment Reversal ''. I did not receive any notification that my payment has been reversed, and I certainly did not request it. No further information on this " Payment Reversal '' was available. I made the same payment again, {$420.00}, and received another payment confirmation. 
Today, the XXXX, I received another email about my missed payment. I logged on again to find that, again, my payment had been reversed without any notification. The payment reversal was dated to the same date I made the payment, but I have been checking the status of this payment regularly and as of at least the XXXX, this reversal did not exist. 
I also received emails today about my loans being removed from Autopay, again, but when I log into the site they are all showing up as being enrolled. 
I am at a loss for what to do. Twice, in good faith, I have made manual payments and twice those payments have been reversed without my knowledge or consent. My Autopay status is very unclear, and I have no idea if I can expect my Autopay payment to go through on the intended date, and if it doesn't, I don't know what else I'm supposed to do if every time I make a manual payment it is reversed without my knowledge. Payments have previously been successful using this same bank account, and there is plenty in the account to cover the payments I am trying to make. I don't want to " miss '' another payment when I am doing everything in my power to make them, but my money isn't being accepted for no known reason.
Product: Money transfer, virtual currency, or money service

Hi, my name is XXXX XXXX and I have a serious problem with a bank wire transfer. 
I have dual XXXX  and American citizenship. At the moment I am in XXXX where XX/XX/XXXX I asked my American Bank Wells Fargo, via online banking, for a wire transfer of XXXX dollars to my XXXX  bank account XXXX XXXX account. I received email confirmation from Wellsfargo where everything was ok and being processed in 5 business days Today, XX/XX/XXXX, those money reappeared back on the US account with a lower amount of {$18000.00}, minus {$810.00}. 
In addition to the missing amount, I find myself in XXXX with no money I need to live, and I'm afraid to make another transfer because the same thing could happen. I contacted Wellsfargo bank customer service and they tell me that there is a third bank in XXXX that has blocked this wire transfer for reasons they don't know of, and that bank wired the money back with that {$810.00} fee. But they were unable to explain anything else, who the bank is and why that happened. Wellsfargo takes no responsibility. The Italian bank never received anything. What can I do? I need money here to live and I have no help and no number to call. 
Can you help me somehow? 
My phone number is XXXX and my email XXXX My name is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Reached out about a XXXX XXXX XXXX collections account fraudulently listed on report that caused a denial of a {$89000.00} dollar loan to process. XXXX, Transunion and XXXX claimed to have used information services to properly examine the validity of the account. The creditor and the collections agency reached out XXXX  that they believed the account was fraudulently listed on my records- which contradicts what all three credit reporting agencies said. As a result formal civil charges for the demand of {$89000.00} from each credit reporting agency will be placed into civil suites due to violations and misrepresentations of the FCRA. For essentially wrecking my credit after those companies fell victim to data breaches themselves.
Product: Debt collection

Upon checking my credit report approximately a week ago, I noticed a collections company named Central Portfolio had reported a negative debt in the amount of {$1000.00}. I would have never noticed had I not checked my credit report that I had a debt in collections because I had never received a debt validation letter or anything in particular alerting me of such debt. Judging from the limited amount of information left on my credit report, it appears to be a medical bill of some sort that was placed in collection somewhere in the time frame of XX/XX/year>. From my interpretation, I thought it was the collections agency 's obligation to send me notification in the form of a debt validation letter via mail which I never received. I disputed the negative findings on my report but to no avail.
Product: Credit reporting or other personal consumer reports

At somepoint an account named XXXXXXXX XXXX was put on my credit report. I do not know whos it is. I reached out to XXXX XXXX they confirmed it doesnt have my name or address, and said I need to challenege it. I have done so many times with TransUnion. TransUnion will not remove it but I do not know why. 
Please remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is not mine. I have sent letters and called to report this issue for over 4 months. I was informed that the information would be removed. It is still showing on my report. It does not belong to me. 

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

It says I was late or bankrupt but I can't find any proof of that.You know those cases, Sarver v. Experian Information Solutions ( XXXX ) and XXXXdams v. National Engineering Service Corp. ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 
XXXXXXXX XXXX XXXXXXXX XXXX options Account # : XXXX  Address : undefined undefined, undefined undefined Add a custom Message Last Reported on : XXXX Date of Last Activity : XXXX XXXX Experian XXXX Payment Status : BankruptcyOrWageEarnerPlan Account Rating : BankruptcyOrWageEarnerPlan Creditor Type : Banking Account Status : Closed XXXX XXXX Open options Account # : XXXX Address : XXXX XXXX XXXX XXXX XXXX MI XXXX Add a custom Message Last Reported on : XXXX Date of Last Activity : XXXX XXXX Experian XXXX Payment Status : CollectionOrChargeOff Account Rating : CollectionOrChargeOff Creditor Type : Finance Account Status : Closed XXXX XXXX Open options Account # : XXXX Address : XXXX XXXX XXXX XXXX, MN XXXX Add a custom Message Last Reported on : XXXX Date of Last Activity : XXXX XXXX Experian XXXX Payment Status : BankruptcyOrWageEarnerPlan Account Rating : BankruptcyOrWageEarnerPlan Creditor Type : Banking Account Status : Closed XXXXXXXX XXXX XXXX  XXXX XXXX custom Message Type : XXXX Status : XXXX Reference # : XXXX Asset Amount : Date Filed/Reported : XXXX Closing Date : Liability : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Add a custom Message Type : XXXX Status : Discharged Reference # : XXXX XXXX XXXX : Date Filed/Reported : XXXX Closing Date : Liability : Exempt Amount : {$0.00} XXXX XXXX XXXX options Account # XXXX XXXX Address : undefined undefined, undefined undefined Add a custom Message Last Reported on : XXXX Date of Last Activity : XXXX XXXX Experian XXXX Payment Status : BankruptcyOrWageEarnerPlan Account Rating : BankruptcyOrWageEarnerPlan Creditor Type : Finance Account Status : Closed XXXXXXXX XXXX Open options Account # : XXXX Address : XXXX XXXX XXXX XXXX XXXX, DE XXXX Add a custom Message Last Reported on : XXXX Date of Last Activity : XXXX XXXX Experian XXXX Payment Status : BankruptcyOrWageEarnerPlan Account Rating : BankruptcyOrWageEarnerPlan Creditor Type : Banking Account Status : Closed 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached for your reference are XX/XX/XXXX XXXX Credit Card Letter and XX/XX/XXXX & XX/XX/XXXX XXXX Bills. 

My XXXX account No. XXXX automatically charged the amount of {$130.00} to my XXXX Credit Card on XX/XX/XXXX. XXXX Credit Card paid the amount of {$130.00} on XX/XX/XXXX. I closed my XXXX account on XX/XX/XXXX. My XXXX Credit Card was credited {$18.00} since I did not have the full month of service. 

XX/XX/XXXX XXXX XXXX XXXX XXXX transactions on XX/XX/XXXX ( chargeback of {$130.00} ) and on XX/XX/XXXX ( payment of {$130.00} ). But, it still shows a Credit of {$18.00}. These two transactions are unknown to me. I attempted to resolve this issue with your representative more than several times. All the calls were answered by people in the XXXX and they were no help. 

My account was sent to XXXX XXXX XXXX and {$15.00} was added to it. I had a 3-way telephone call with XXXX of XXXX XXXX XXXX and XXXX Credit Card on XX/XX/XXXX. XXXX Credit Card confirmed the payment of {$130.00} was valid and provided me with a letter, which I have attached. 

XXXX XXXX reported to the credit bureau and my file is referred to the Law Offices of Maury Cobb. 


I am disputing the balance of {$140.00} and demanding to be removed from my credit report as I do not owe any money.
Product: Debt collection

My name is XXXX XXXX. Yesterday I received a phone call and voicemail message by someone who self-identified as " XXXX XXXX '' saying that he was calling to enforce federal law against me but did not identify what kind of matter was at issue or what agency or organization he was calling from. The same call was made to my brother 's telephone line about me. 

When my attorney and I called back the number ( XXXX ), the person who picked up identified himself as " XXXX XXXX 's manager '' but refused to explain what the matter was at issue, did not identify himself at any point as a debt collector, or provide any information about what organization he represented with my attorney present, providing only a fax number to have my attorney show power of attorney, at XXXX XXXX XXXX XXXX. 

From an online search, that fax number is associated with a firm named " Direct Recovery Services , LLC, '' with the following contact information : XXXX XXXX XXXX XXXX 1, XXXX XXXX, MN XXXX http : //www.directrecoveryservices.com/ ( XXXX ) XXXX To my knowledge, I do not owe any consumer debts. While I ordinarily would not file a complaint for a fraudulent scam to collect a nonexistent debt, I wanted to file this complaint officially because they misrepresented themselves to be federal officers and this could pose a real threat to unwitting consumers.
Product: Mortgage

My mother passed away XXXX XXXX. Wells Fargo was sent her death certificate in XXXX. They refused to speak with me or take payment. I faxed and overnighted a court order appointing me personal representative of her estate 4 times. They refused to talk to me. I sent a XXXX letter of Testimony from the court and was told it would be a week before they could speak to me and another week before they could give me the payoff amount. This is now XXXX XXXX!! In the meantime they locked the property but say they have no record of it. Sent letters to my mother 's former work address instead of her home. Requested I have her sign a release form. Sent a lawn service that called the sheriff on ME for trespassing. Now I 'm given the amount with extra fees and interest and told the drive by inspections will continue.
Product: Credit reporting or other personal consumer reports

I am currently reviewing my TransUnion Credit report and there are addresses reporting on my credit report that are not mine. 
Below is the address that I would like to have permanently deleted from my TransUnion Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX