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

Dear CFPB, Last fall, I successfully applied for a XXXX XXXX credit card and purchased a pair of XXXX blue jeans. The cost of the blue jeans was {$95.00}, and I paid off the entire balance by personal check on XXXX XXXX, XXXX. However, Comenity Bank has continued to charge me $ XXXX in interest on a {$0.00} balance. 

According to the my most recent statement, I currently owe Comenity Bank {$250.00}. I have attached a number of screenshots from the Comenity Bank website as documentation as well as a screenshot of my Bank XXXX XXXX statement, revealing that Comenity Bank cashed my check for {$95.00} on XXXX XXXX, XXXX 

How is it possible that I owe Comenity Bank and XXXX {$250.00} on a {$95.00} purchase that was paid off XXXX months ago? 

My complaint is that Comenity Bank and XXXX are engaging in deceptive and predatory credit card/lending practices for the sole purpose of defrauding their customers. I refuse to pay junk fees and non-existent interest on {$0.00} to Bread XXXX, Comenity Bank, and/or J.Crew. Bread XXXX, Comenity Bank and XXXX are engaged in a scam to bilk customers out of their hard-earned money. 

Thus, any assistance the CFPB could provide would be greatly appreciated. 

Feel free to contact me directly if you have any questions. My cell # ( XXXX ) XXXX. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I did a pre-qualify online It offered me XXXX, I closed out of website, All of my other cards start at XXXX. 
XXXX is worthless to me. 
2 weeks later I get a card, I'm mad but its already done a hard pull I decide ill just wait and ask for a bigger limite I'm stuck with this XXXX card now. 
I pay the {$95.00} fee before the first 30 days so it will be paid in full on XXXX month billing. 
After I pay the {$95.00} they close the account. 
Now I have a hard pull and a closed account from a card who's website didn't work properly .... and they stole {$95.00} from me ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Aidvantage has violated multiple Federal laws set forth by congress : Violations : 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) - Congress CLEARLY states that transactions or experiences between the consumer and the person making the report IS NOT included in the consumer report. 
15 U.S. Code 6801 - Protection of nonpublic personal information. Aidvantage has taken it upon themselves to report my confidential and private information to a nonaffiliated third party without my permission or without giving the proper disclosures which is a violation of 15 USC 6801. I have written Aidvantage letter dated 7/12/23 to request ALL of my disclosures that should have been conspicuously disclosed to me before reporting of my non-public personal information to nonaffiliated third parties ( XXXX, XXXX, XXXXXXXX XXXX ), and exercised my right to opt out of having my information reported pursuant 15 USC 6802B.
Product: Mortgage

My Conventional Home Mortgage Loan was sold to Wells Fargo who is currently servicing my loan.

Prior to the initial loan due date, I set up early partial payments ( 1/2 of the full payment ), essentially paying ahead, every other week with partial payments.

Wells apparently has a policy that they will not apply the funds until a full payment is received.

My question ( and complaint ) is how can this be legal? They are receiving money ahead of the payment due date and just holding it, free of charge, while continuing to charge me interest.

I contacted them to rectify this issue and they just continued to re-state their policy. They did " escalate '' the issue to the " executive '' team today ( XX/XX/19 )
Product: Mortgage

i was in forbearance for about a year, now fifth third is reporting my loan as late instead of being in Forbearance i need this to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

These account don't belong to me and I want them removed from my report please. 
Creditor : XXXX XXXX XX/XX/XXXX Amount : {$1100.00} Creditor : XXXX XXXX XX/XX/XXXX Amount : {$230.00} Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$460.00} Creditor : XXXX XXXX Amount : {$230.00} Creditor : XXXX Amount : {$460.00} Creditor : XXXX Amount : {$490.00} Creditor : XXXX XXXX XXXX Amount : {$5000.00}
Product: Debt collection

I am writing to formally file a complaint against XXXX XXXX LLC concerning their handling of a debt that I do not own. I believe XXXX XXXX LLC is in violation of my federal rights under the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I received a notification from XXXX XXXX LLC regarding a debt allegedly in my name. However, this debt is not mine. Despite my attempts to communicate with them, XXXX XXXX LLC did not provide me with timely notification of my right to dispute the debt, as mandated by federal law. This delay has hindered my ability to address the situation promptly and has caused unnecessary stress and concern. 

According to the FDCPA, debt collectors are required to notify consumers of their right to dispute the debt within XXXX days of the initial communication. XXXX XXXX LLC has failed to meet this requirement, thereby violating my rights as a consumer. Additionally, their continued attempts to collect on this disputed and unowned debt are further compounding the issue. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX XXXX LLC ceases their collection efforts on this invalid debt. Furthermore, I request that my credit report be corrected to reflect the accurate status of this debt, removing any negative marks associated with it. 

I appreciate your attention to this urgent matter and look forward to your prompt resolution.
Product: Debt collection

I am submitting this complaint regarding a medical debt reported by USCB America that I believe is beyond the statute of limitations. The debt is listed as delinquent as of XX/XX/XXXX, and under California law, the statute of limitations for collecting medical debt is XXXX years. This means that USCB America can no longer legally pursue this debt after XX/XX/XXXX. I have not received any prior communication regarding this debt, nor have I been served with any legal action. I am concerned that USCB America is attempting to collect on a debt that is no longer enforceable, which I believe violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). I request the CFPB 's assistance in resolving this matter and ensuring that my consumer rights are protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account : I have two accounts with this company. A late payment has been reported that I do not recognize. 

Account 1 : XXXX Account 2 : XXXX XXXX has violated my rights by reporting a late payment. 

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

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

I went to check my XXXX XXXX today on XXXX and saw a dramatic fall off. Upon investigation, I saw a collection company, Credence Resource Management, supposedly had a collection effort against me for {$1400.00} for a past due bill for XXXX XXXX for a location/home in XXXX This was obviously fraud as I have lived in XXXX  my whole life and don't even know anyone in XXXX. I contacted the collection company and they said someone used my social and opened an account in XX/XX/XXXX, which they then closed in XX/XX/XXXX ( unfortunately, I happened to put a credit lock on my acct in XX/XX/XXXX, after the fact. XXXX 's collection proceedings started XX/XX/XXXX ). The person at the collection agency said he will send me fraud paperwork to fill out and suggested filing a police report. My next step was to contact XXXX. I let them know the details of my conversation with XXXX. They put a fraud alert on my acct. Then I was instructed to file a report on XXXX and send XXXX a copy. In starting the process on XXXX, I was directed here to file a claim. I have no idea how someone got my SS # to get this service but I will be very vigilant in checking my score regularly and putting safeguards in place for the future.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I had a XXXX & discovered account with XXXX $ I'm savings I saw a withdrawal that was try sent me a text over I declined and call rite away. Next day told me I walk in branch deposit a check when I didn't. Now all my accounts got close
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year>, I sent a written dispute and requested proper validation of a debt Hunter Warfield claims I owe in connection with The Cottages of XXXX. In response, I received a letter dated XX/XX/year>, from Hunter Warfield stating that they had previously fulfilled their duty to provide verification of the debt and would not respond to additional requests. However, they have not provided adequate documentation to prove that this debt is valid and that I am legally responsible for it. 

Specifically : 1. Hunter Warfield has failed to provide sufficient documentation ( e.g., original agreement, detailed account statement ) to substantiate their claim. 
2. Their refusal to respond to my dispute is a violation of the FDCPA, which requires debt collectors to provide proper validation upon request.

3. I believe this debt may contain inaccuracies or may not be valid, and their failure to provide proper verification leaves me unable to address the issue adequately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Unauthorized Credit Inquiries Dear Experian, I am writing to formally dispute unauthorized inquiries listed on my credit report. Upon reviewing my report, I noticed the following inquiries that I do not recognize and did not authorize : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Since I did not authorize these inquiries, I am requesting their immediate removal from my credit file. 

Please investigate this matter and provide me with documentation verifying that these inquiries were authorized. If you can not provide such proof, I ask that you delete them from my credit report as soon as possible. 

I have attached a copy of my credit report with the disputed inquiries, along with a copy of my identification for verification purposes. 

Please respond to this dispute in writing within 30 days of receiving this letter, as required by the FCRA. I appreciate your prompt attention to this matter. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$20000.00}, {$19000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/XXXX I disputed an account all three credit bureaus. The account which is the XXXX XXXX XXXX XXXX XXXX XXXX # XXXX well the account came back verified with all bureaus. Well in XX/XX/XXXX I  contacted the original creditor which was XXXX XXXX XXXX, I sent Total Card a Debt Validation letter. Well the original responded back, with a letter stating that the account was sold to XXXX XXXX, XXXX on date XX/XX/XXXX..i have enclosed a copy of the letter showing that they sold the account to XXXX XXXX on XX/XX/XXXX. I XXXX XXXX then sent a certified letter to XXXX XXXX on AXX/XX/XXXX. I sent XXXX XXXX a Debt Validation letter which under the FCRA I am entitled to send a validation letter to the company that is reporting the account on all three of the credit bureaus. which is XXXX XXXX XXXX. I have enclosed a copy of the certified letter that was sent to XXXX XXXX XXXX on XX/XX/XXXX. I have also provided the copy of the certified mail receipt and the delivery notice that the letter was delivered on XX/XX/XXXX to the address provided on my credit report for the furnisher which is now XXXX XXXX. They received the letter on XX/XX/XXXX ... Well today is XX/XX/XXXX and XXXX XXXX has failed to respond to my certified letter dated XX/XX/XXXX..This is a violation of my rights and a violation of the law ... XXXX XXXX needs to remove this account from all three of my credit bureaus right now for the non compliance and the violation of my rights. Or I will be getting a lawyer to sue the company for the non compliance. This day of XX/XX/XXXX I have not received any paper work or any items showing that this is my account,, they have violated laws and rights under the FCRA and the FDCPA, This inaccurate account needs to removed ASAP from my credit file. XXXX had 30 days to respond and they failed. this company has violated local and state laws by not responding in a timely manner. I would like this account to be removed asap from all three credit bureau or I can go file a small claims suit. I have enclosed all paper work to show I did my part the company received the letter and yet failed to send me what I was entitled to now the company need to delete the account from my credit file. asap
Product: Credit reporting, credit repair services, or other personal consumer reports

Recieved voicemail from a XXXX at XXXX saying to call within 24 hrs. I called told it was an attorney for Continental Finance and they are ststing civil action to collect {$520.00} for a XXXX I never had. When I asked why not on my credit report he said it was up till 2012 then company didnt want to pay to report. I asked him to send info and he said good luck and hung up. This appears to be a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

The last 4 years I have tried and tried. Letters to XXXX, calls, copies front and back, nothing works. The bank tried to help and saw these incorrect items on my 3 credit reports. They advised me what to do. After the year of back and forth letters, calls and getting no where with XXXX and then the loan companies. 2 car loans and 1 home loan in California. I am in Oregon. Name is incorrect on report as well. I hired XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX.  They got some taken off and {$1600.00} later. Its back on my reports. Effecting my insurance, and as you know everything with credit. 
I started the process in XX/XX/XXXX when I first pulled a credit report, advised by my financial advisor. XXXX XXXXautomated system, the caller must answer security  questions to speak with representatives, XX/XX/XXXX what credit card did you have? I was XXXX years old. NONE. Incorrect answer the phone hangs up. I ca n't get anywhere with the phone numbers listed. I try online and what to do. Send a letter. Wait 6 months nothing do it again, with all required copies, forms, letter, proof of person. Nothing. I try to call again. Nothing, After a year of this I try to get credit help. I visit and go to meetings with counselors that advise me what to do. Nothing still. Now Two years of dealing with it. Monthly for 2 years, I have a file with proof. I paid a company, attorneys to help. And now its back on AGAIN!!!! I 'm a single mom, XXXX kids and own a XXXX. I do n't have time for this, I do n't steal credit, And it should n't be this easy. Really a number is a persons life now days. CREDIT, Loans, Emergency, homes, insurance, I can go on. And when someone uses what you work hard to maintain and take care of, its beyond XXXX or criminal. Explain this to my son who is XXXX went to state golf and needed a car, his broke down. I drive all paid off cars, and could n't even get him a cheap {$3000.00} car. REALLY thats embarrassing. XXXX credit score to XXXX now!!!!!! My name is XXXX XXXX of OREGON. I have filed reports on www.alertsftc.gov/XXXX, freecredit reports agency, XXXX Sent letters. I am at a loss. Only to say obviously it pays to be a criminal in this country. PROOF is right here. The other cars loans, phones, and Mortgages information I have. In a file at the accountant. I can get those if this goes anywhere, if needed, at this time its just the same rant and go no where letter. 

This person is XXXX XXXX XXXX XXXX {$510.00} a month payment $ XXXX car loan left with XXXX XXXX XX/XX/XXXX. XXXX {$430.00} a month $ XXXX left XXXX XXXX XXXX a joint account with someone. XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX I notified them again, dispute XXXX nothing done about it.
Product: Money transfer, virtual currency, or money service

CASH APP is the problem! 

My niece stole from me. She used my phone, had access to everything in my apartment while I was working. She tried to cash app herself some money as if I wouldn't notice! 
She ended up sending money to a cashapp she no longer used and then tried fixing it. 

I receive notification from XXXX when money is debited from my account and I check my account daily. Cash APP had {$100.00} of my money. 
I checked cash app and being that my niece was in my apartment it was her cash app, I had the theft near me. 
After confronting her she gave unacceptable excuses and then said, tried to fix the problem by contacting Cashapp since she sent money to the wrong cashapp. 
So basically, she tried to fix the problem to steal and have it directed to her open account. 
I then contacted cash app to let it be known the transaction was fraudulent. 

Yes she had access to my purse and phone. 
I made that clear. 
It was still fraudulent. 

On XX/XX/2023, Cash app sent me a message stating the transaction was CANCELED and the refund will show up in XXXX business days. 
It will be Credited or Voided and fall off. 

I sent that message to XXXX XXXX XXXX XXXX. 
On XX/XX/2023, I had to file a dispute against Cash App for not honoring their statement. 

The transaction posted. 

I am now waiting for assistance from the XXXX XXXX of my credit union since Cash App has now stolen my money. 

It was XXXX stolen by my niece, I was told it was canceled and now since it's posted, Cash App is trying to keep my money anyway. 

I have changed my Debit card, XXXX is now assisting me and Cash App is no help at all. You would think they would honor what they said. 
This has made me place a review on XXXX XXXX since they can't be trusted. 

I feel like my money has been stolen twice! 

You would think that it is XXXX XXXX dollars. 

I can't understand why anyone especially Cash App would run off with {$100.00} of my money! 
I am offended and shocked that they not only stated they canceled the transaction but they also stated how I will receive it back. 

And now they are stating no cancellations. 

My money was stolen and I just want it back, that's all! 

I plan to fight this even in small claims court since it looks like I will have to go there.