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

1.I have never had an account with this company COMENITY BANK , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMENITY BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Student loan

I put my Student Loans on Forbearance like much of the USA during Covid. Like many, I was under the impression that there was 0 % accrued interest during the pandemic. 

Earlier this spring I received a notification from Nelnet, one of my student loan providers that my account had accrued XXXX of interest since putting it on deferment XX/XX/XXXX. I spent several hours on the phone trying to make sense of how or why and their non-english speaking customer service reps had little support, help or understanding they could offer. They couldn't explain why my account defied the laws that were put into place during the pandemic and explain why my account was charging so much interest while everyone else in the ENTIRE COUNTRY is enjoying 0 % interest. I couldn't change it, have had 2 major surgeries since, and haven't had an opportunity to waste time on it until today. 

Flash forward to today, XX/XX/XXXX. I receive a NEW email stating the the accrued interest in my student loans is XXXX since XXXX of XXXX. I just tried to call again and sat on hold only to get a recording that said they close at XXXX EST. 

How is this even possible when the PRESIDENT of the United State put into place provisions to protect people during the pandemic. 

Nelnet customer service is horrible. They just send this email -- can't get in touch with anyone to discuss or even understand how or why. Furthermore, I had filed a XXXX XXXX XXXX in XXXX b/c of medical bills and multiple surgeries and couldn't discharge this debt then, and now am getting served up even more interest when NO ONE should have had that happening due to the pandemic. 

Please help. This shouldn't be happening to Americans during a time when student loan repayment was put on pause.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XX/XX/2017 XXXX, IL XXXX Hard inquiry - Needs to be removed Not authorized XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX, IA XXXX Hard inquiry - Needs to be removed not authorized XXXX XXXX XXXX XX/XX/2017 XXXX XXXX, MI XXXX Hard Inquiry Needs to be removed Not authorized XXXX XXXX XX/XX/2017 XXXX MN XXXX Hard Inquiry Needs to be removed not authorized XXXX XXXX / XXXX XX/XX/2017 XXXX XXXX, MN XXXX Hard Inquiry Needs to be removed not authorized XXXXXXXX XXXX XX/XX/2017 XXXX XXXX, mn XXXX Needs to be removed not authorized hard inquiry XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX CA XXXX XXXX XXXX, MN XXXX 2 on the same day - Please delete hard inquiry not authorized XXXX XXXX XX/XX/2017 and XX/XX/2017 XXXX XXXX XXXX XXXX TX XXXX Hard inquiry please delete not authorized XXXX XXXX XXXX XXXX TX XXXX Hard Inquiry needs to be deleted not authorized XXXX XXXX XXXX XXXX XX/XX/2017 XXXX LA XXXX Needs to be deleted not authorized XXXX CO Dual Card XX/XX/2017 XXXX, FL XXXX Needs to be deleted not authorized XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2017 Not authorized Needs to be deleted.
Product: Credit card or prepaid card

Bank of America made a mistake and tried to pull over {$43000.00} from my personal checking account at XXXX for a BofA visa credit card bill that was around {$4300.00}. I was alerted to this by XXXX, immediately called BofA and they told me that they would correct their mistake and only withdraw the correct amount to pay the balance due on my credit card. They failed to do this incurring a late fee for no payment. Then my credit score was dropped by 167 points. I have spent hours on the phone with BoA trying to rectify their mistake. They finally said they submitted a correction to the 3 credit reporting bureaus but refuse to send me any documentation that they have done so. I am applying for a rental application and I will be denied unless BofA sends me some sort of proof that it was their mistake that effected my credit score. I have spent hours on the phone with them an have not been able to get to a resolution. They refuse to give me any proof that they will file a correction to my credit score with the three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

on  XXXX / XXXX / XXXX , I requested  XXXX ,  XXXX  and Equifax to dispute a false and negative reporting to my credit from  XXXX . So far  XXXX   XXXX , on  XXXX / XXXX / XXXX  responded today saying dispute resolved, no proof provided that i signed a " termination fee '' contract with  XXXX , and the negative reporting is still on my credit. I have not even heard back from the other  XXXX .   I requested  XXXX  to terminate my home phone, TV and internet service on  XXXX  or  XXXX / XXXX / XXXX .  XXXX  did not terminate my services until  XXXX / XXXX / XXXX . ** They have now charged me {$47.00} that i do not understand what those charges are for. i believe some of that may be for the difference of 5 days billing between when i cancelled and when they actually terminated my services. ** In addition,  XXXX  has charged me a termination fee of {$170.00}. I never signed up with them for a contractual duration. The only reason i signed up with  XXXX  a short while prior was because there WAS NO CONTRACTUAL TERM, and the cost was somewhat reasonable, until the actual bills came in. All attempts to speak to  XXXX  by phone where wasted by reps telling me that because of all the discounts they gave me they had no choice but to switch me to a contracted account. I did not sign up under contracted terms nor would I.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for any mortgage online. I have disputed this with XXXX XXXX and XXXXXXXX XXXX twice and they are not working with me. I have also disputed this with XXXX credit reporting agency and they have refused to take it off of my credit report.
Product: Debt collection

I am writing this complaint because I filed multiple complaints with the CFPB in or around the year 2023 regarding a collection agency called XXXX XXXX XXXX XXXX. The agency furnished an account on my credit reports on or about XX/XX/year> regarding medical debt that I needed clarification on. I have not received any information in regard to my request to the best of my knowledge. The company 's communication when information was requested was perceived as cold and limited demonstrating a lack of concern and communication per my previous complaint records.
Product: Debt collection

Perfection Collections appeared on my XXXX XXXX and XXXX credit reports in XXXX of 2018 in the amount of XXXX. I disputed this item with the collection agency in XX/XX/2018 and requested that the debt be verified. I received nothing verifying the debt from the collection agency after writing them multiple times and giving them a call. The day I called the collection agency requesting debt validation, the rep continued to call my mobile number that day requesting payment and they have continued to do so. They have not responded to my request to verify the debt.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I purchased a blue XXXX XXXX  ( XXXX  XXXX ) for my daughter 's XXXX present. When doing so I opted to sign up for the apple card. Everything was great. 

On the day of delivery I get a notice saying the driver attempted to deliver the product but no one was home. I was home and have ring video surveillance on my home and can prove no car ever approached my home or address this day. So the product was returned to the store. I then called XXXX  to see if I could go into the store and pick up my product. They told me that I couldn't and would have to follow the instructions provided to me which were to wait and the money would be refunded in N days. 

I believe XXXX never had the XXXX in store or if they did it was sold to an in store customer. They should have better control of their inventory especially since this was the carrot used to open this Apple Card account. 

Either way I was going to get a refund so I didn't care. Then the other day I get an invoice for my Apple Card saying I had about a {$27.00} balance. So today Monday XX/XX/XXXX - I called Apple Card up and found out that XXXX did credit the money back to an account but it was my XXXX XXXX account and not my Apple Card account ( the one I used for this transaction ) I was never provided a choice of how I wanted these funds back and by providing them on a different card they left me open to incur purchase charges. There is also an additional {$4.00} charge on my account they are unable to tell me where the charge came from.ff
Product: Money transfer, virtual currency, or money service

Someone in California has been hacking me I don't know how it is but my money cards and social security has to continue to be frozen if it's any opposite of what I'm putting it's not me ....
Product: Vehicle loan or lease

I got a loan on a truck and put a lot of money down and still have high interest rate of over 20 plus percent. I believe they was setting me up for failure by high cost and almost 3x the amount for the vehicle, this was in XXXX  the company name was American credit acceptance
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND I STILL HAVE ACCOUNTS THAT ARE NOT MY OWN BEING DISPLAYED ON MY EQUIFAX CREDIT PROFILE. THIS INFORMATION IS ERRONEOUSAND MUST BE PERMANENTLY REMOVED ASAP.THESE ARE NOT MY ACCOUNTS. I NEED TOHAVE THESE ACCOUNTS REMOVEDIMMEDIATELY PLEASE
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXXXXXX 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 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

Myself and my husband refinanced our current mortgage with Freedom. We decided to stay with Freedom as the process would be easier and it was only to reduce the interest rate. We signed our final papers with a notary on XX/XX/XXXX. The loan was funded on XX/XX/XXXX. Freedom mortgage acknowledges this. But they reported our old loan # XXXX as 30 days late. We were told by Freedom mortgage to not pay XXXX because we would close before the end of the month to which we did. Our new loan # XXXX was effective XX/XX/XXXX with our first payment due XX/XX/XXXX. Not only did Freedom mortgage report us late, but our old loan still shows open. Our credit shows that we have {$780000.00} in mortgages. They have never closed the old loan out. These 2 errors from Freedom Mortgage has severely affected us. As a result of this, 2 credit cards we have have reduced our limits because of this.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. I reported I didnt theft on my account Equifax failed to re-investigate and remove accounts that do not belong to me
Product: Debt collection

I do n't think I chose the correct issue above, however I think it is closest to my issue. I have a record on my credit report that I have disputed through both the company and the credit bureaus. The dispute is marked as being disputed by me on my report, but it was not removed despite the creditor not sending me verification of this debt. I do not even know what this debt is for. I have tried contacting the collection agency by mail to obtain verification with no response and they will not remove the item from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a mail regarding identity theft and fraudulent accounts on my credit and i got a mail today stating that " I was not the one who sent that despute ''. I feel as though this is ridiculous. I spend my entire weekend gathering all the documents to receive a mail like that. I am extremely upset. I've been trying to fix this issue for a while now and nothing. These accounts listed on my credit report are not related to any transaction done by myself. I have attached the FTC report along with my drivers license.
Product: Credit reporting or other personal consumer reports

I

requested that TransUnion Credit Bureau investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. Contact Information : Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXXThank you for your prompt attention to this matter.
Product: Credit card or prepaid card

Following my divorce in 2014 I had to rely more on my credit card purchases. Over the past five years I've accumulated some sizable credit card debt. Prior to my divorce I never carried a balance on any of the eight credit cards that I possess so managing credit card debt was a new challenge for me. With that said, I am very concerned about the amount of fees/interest that Citi Bank has been applying to my balances. I would voluntarily allow any federal regulator to review my entire file with Citi Bank. I'm confident that there is an enormous amount of egregious violations with my credit card statements with Citi Bank.
Product: Student loan

I have had so many issues with Sallie Mae over the years, but most recently I have been consistently making {$2000.00} monthly payments which are auto-debited from my bank account. However, Sallie Mae has marked my payments as late and is not crediting me for the payments made or reflecting such payments on my monthly statements. I raised this issue with Sallie Mae and they have refused to work with me and credit for me for the large monthly payments I have been making. They also made an additional {$1100.00} withdrawal from my co-signer 's account without my consent or any warning that such withdrawal would be made. My co-signer had to contact her bank to have the charge reversed and had no idea where such charge came from. Sallie Mae is a predatory lender, and I would ideally have my loans discharged given their gross mishandling of my account.
Product: Mortgage

I have a home mortgage with Wells Fargo Home Mortgage ( I did not apply for a mortgage with Wells Fargo, they acquired it ). I am paying bi-weekly with additional principle added to each payment in an attempt to pay my mortgage down as much as possible before I retire in approximately 13 years. Recently ( last 6 months ) Wells Fargo has let this additional money accumulate in an " Unapplied Funds Balance '' and does not apply it to my loan balance. In XXXX I called and complained when the Unapplied Funds Balance had reached {$3500.00} ( enough for XXXX full payments ), and they finally applied the funds. Now on my XXXX statement the Unapplied Funds Balance has reached {$2600.00} ( XXXX payments ). I believe this additional money should be applied to my principle and is costing me interest charges. 

I also believe this action by Wells Fargo is intentional as a result of a previous home mortgage that they held ( acquired ) on a previous house of mine that resulted in foreclosure because we were {$80000.00} underwater on the house value after the 2008 crash and my wife 's XXXX diagnosis which resulted in her going on XXXX. We are currently in Chapter XXXX Bankruptcy as a result of this foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, my car repossessed I was behind on my payments because of pandemic I wasnt able to work. Ally bank took my car without any letter I wasnt informed theres no proof my car is going to be repossessed. After my car repossessed I payed in full then I get my car back, during they repossessed my car my credit reduced. XXXX points and I was continued to pay my payments but still on my credit report and I believe after I catch up omn payment shouldnt be on credit.
Product: Credit card

There was a lawsuit with capital one for data breach and I wasnt properly notified at all I was never contacted