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

This issue is with Comenity Bank - XXXX XXXX XXXX  Credit Card I have attempted to fix this issue, three times. 

In early XX/XX/XXXX, I checked my XXXXXXXX XXXX XXXXXXXX credit card account as I have three purchases on the same card.

Purchase 1 - 12 Month Deferred Interest ( Expired XX/XX/XXXX ) Purchase 2- 18 Month Deferred Interest ( Expires XX/XX/XXXX ) Purchase 3 - Low APR 48 Months I checked the account balances to ensure that my deferred interest payments had been paid off and recalculate the amount owed on my automatic deduction. 

I located what I believe to be an error with my statements and payments, specifically how they are being applied. 

On my XX/XX/XXXX statement, I had a balance of {$220.00} that expired on XX/XX/XXXX. I immediately made a payment of {$220.00}, that was posted to my account on XX/XX/XXXX. I had assumed, that my payment of {$220.00} would go to pay of the balance of the 12 month deferred interest charge, but I saw on my XXXX statement that it did not. Additionally, because the payment did not go to that charge, I was charged {$180.00} in deferred interest on the account. 

I contacted Comenity Bank in XXXX to address this issue, and ensure that my payments were being applied towards the deferred interest charges first and then the low APR. They ensured me on that call that my payments would be adjusted correctly and that they would be refunding me the deferred interest. I was told that it would update on my next billing cycle. 

On XX/XX/XXXX, I checked my statements again and discovered that it was not corrected. Additionally, I discovered that I still had not paid off the remaining {$.00} on the 12 month deferred. To me, this has to be impossible since I pay significantly more than the minimum payment on the overall balance. 

I believe that Comenity Bank has chosen to allocate my money differently than I have asked in order to charge my accrued interest fees. On XX/XX/XXXX, I again contacted Comenity and was told that my money was now going to be allocated the correct way. I was also told that money goes to my highest interest, which is technically the Low APR charge. I explained that while technically that is correct, it is wrong. Because now that I am outside of my deferred interest on the 12 month, I am actually paying 29.99 % on that charge, and soon to be paying 29.99 % on the 18 month deferred. 

These concerns were looked into and then I was told that nothing additional could be done. I have expressed numerous times how I want my money to be allocated. Additionally, you have to call into Comenity because the options for allocation are not available online.
Product: Credit reporting or other personal consumer reports

I recently requested an investigation into the disputed accounts, which you claimed were verified. Believing that your investigation was not conducted thoroughly, I contacted the data furnisher last month via mail. They have since responded, confirming that my concerns were valid and that the information in your records was incorrect. Given that your initial investigation was improperly handled, I now request that you update or correct the following accounts in my file. 
XXXX XXXX XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$15.00}
Product: Debt collection

My wife and I moved out of out of   XXXX   XXXX   last year. The apartment company claimed that they wanted more money to cover cleaning fees for the unit, however it was in good condition when we left. In addition, we had the unit professionally cleaned and provided  XXXX  with a copy of the receipt. My wife began communicating with  XXXX   XXXX  via email to resolve the discrepancy, but  XXXX  stopped responding to our emails in  XXXX . We received the move out  XXXX  final account ) statement on   XXXX   XXXX    We responded stating that it had appeared that we had been mischarged and pointed out the discrepancies. We received a response from  XXXX   XXXX  stating that they would review and revise and get back to us. They never got back to us. After numerous email follow ups, we visited the leasing office in person and spoke wit  XXXX   XXXX   XXXX   who assured us that   XXXX   would respond, but we still never got a response. We began receiving notifications from a generic, no-reply email alias from  XXXX  and tried to get in touch with them again about the errors, but received no response. Now we see that they have sent us to a collections company without even bothering to address our concerns. In actuality, based on our calculations,  XXXX  owes us a little over {$70.00}, but we were willing to forgo that amount if we could stop wasting time dealing with this issue. Now we hear that the collection agency has been harassing my in-laws for a debt that we have clearly disputed. The agency continues to call my parents-in-law about me ( not even my wife! ) and will not relent. The collection agency has yet to make phone contact with either of us directly, even though  XXXX  would have provided our contact information to them, and makes improper contact to individuals unassociated with this matter.
Product: Credit card

On XXXXXXXX  my credit card was used to make a reservation on XXXX for the amount of {$2400.00} {$2400.00} I called XXXX and the hotel the booking was made at numerous times to get them to reverse the charge. 

XXXX stated there was a no refund policy and that I would have to call the hotel. 

I called the hotel they said they would reverse the charge all I needed to do was send an email stating the amount and date this happened and they would reverse the charge. After several days nothing was reversed I then called the hotel again they asked I resend the email which I did. 

Finally the hotel responded saying I should just file a claim through my credit card to have it reversed and they would not give XXXX the permission to reverse the charge. 

I filed a claim through my credit card. And called them to ask if they needed any more information from me. They stated they did not and that I should just wait until the investigate the matter. 

Just to cover my basis I called XXXX once again and the hotel to make sure that the booking would be canceled and not used and to reiterate that this was fraud. 

The booking was not made under my name nor under my account so the hotel said they wont help me. They stated in an email that I could be the one who stole the credit card so I should just communicate with my credit card company to resolve the matter. 

After a couple months Chase informed me they find the charge valid and I am now responsible for this charge on my card. 

No information was asked from me to prove my claims they simply decided a charge not under my name was valid.
Product: Credit reporting or other personal consumer reports

I've been reaching out to all three credit agencies and the collection agency since XX/XX/year> asking for 30day verification of this debt else removal. I asked them to provide me with the following information : 1. The amount of the debt : A detailed breakdown of the amount you claim I owe, including interest, fees, and any other charges.

2. Proof that the debt is mine : Documentation showing that I am legally obligated to pay this debt and the original creditors name.

3. Evidence that the agency has the right to collect this debt : Please provide proof that you are authorized to collect on behalf of the original creditor or that they have purchased the debt. 
XXXX. Details of the original transaction : A copy of the original contract or agreement showing my signature, and any supporting documentation to substantiate the claim. 

I filed a previous claims with XXXX at the FTC. My wallet was stolen in XX/XX/year> and a few years prior as well.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : XXXX XXXX Accounts # XXXXXXXX XXXX XXXX XXXXAccount # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX FUNDING LLC/ XXXX XXXX  Account # XXXX
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I'm filing this complaint with the CFPB against Hunter Warfield , Inc. because they have failed a requirement in the Fair Debt Collection Practices Act ( FDCPA ) sending me written notice containing 1. a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; 2. a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and 3. a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I received the initial communication via email on XX/XX/2022, which I have attached and labeled as Exhibit A. These failed requirements were not included in the initial communication by Hunter Warfield , Inc. which they are required to be ( 15 USC 1692g ( a ) ). Although, Hunter Warfield , Inc. failed their requirement, I thankfully knew and asserted my rights, and asked for validation of debt, which I have attached and labeled as Exhibit B. I mailed this letter on XX/XX/2022 and it was received by Hunter Warfield , Inc. on XX/XX/2022. I sent the letter via certified mail with return receipt, which I received back not properly filled out with a name of who received it, which I have attached and labeled as Exhibit C. On XX/XX/2022, Hunter Warfield , Inc. sent me an encrypted message stating that they enclosed a validation of debt. Upon further inspection, they didn't include a trilateral agreement that I had requested them to provide that I am obligated to pay their company. They only provided a 'Statement of Account ', 'Apartment Lease Contract ' , & 'Signature Details ' which states that I owe an alleged debt to XXXX XXXX, which I have attached and labeled as Exhibit D. I sent Hunter Warfield, Inc. an Opportunity to Cure letter on XX/XX/2022, which I have attached and labeled as Exhibit E. Hunter Warfield , Inc failed to provide a trilateral contract with my signature, or anything else proving that I am legally obligated to pay this company. Hunter Warfield , Inc. received my letter on XX/XX/2022 via tracking and return receipt, which is attached and labeled as Exhibit F. Once Hunter Warfield , Inc. received my letter, they did not respond back. Now, on XX/XX/2022, I found that Hunter Warfield, Inc. is trying to collect without verification of debt, which they have not provided by debt parking this account on my consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 XXXX 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Mortgage

I will upload a prepared letter and documentation. It has to do with XXXX  parent 's mortgage and trying to be able to bring payments/account current to avoid foreclosure.
Product: Debt collection

XXXX, XXXX and complaint against Wells Fargo bank On XX/XX/XXXX Wells Fargo responded to my request to verification why servicer ( under CFPB rules ) XXXX  deposited a refund check for my property taxes payable to Wells Fargo bank. 

Wells Fargo said that they are unable to address this matter why XXXX received money from XXXX. 
Wells Fargo also told me to contact XXXX to verify if this refund was deposited tomy escrow account. 

First, it was VERIFIED by the check sent to me by my Town Assessor that my money were deposited on WELLS FARGO account, not on my escrow account. 

Therefore, Wells Fargo is a part of Servicing and Collection team and a Serviver under RESPA and collector under FDCPA and must respond to my questions. 

I specifically asked why Wells Fargo was named as a payee on the Check deposited by XXXX. 

Who is the owner of the account where Wells Fargo deposited my checjk? 

Who authorized Wells Fargo to accept this check and deposit it on Wells Fargo account? Please provide me names of each individual employee of each company who authorized Wells Fargo to accept my checks and deposit them on Wells Fargo account,. 

Please provide me the NAME of an individual employee at XXXX  and XXXX who can confirm that Wells Fargo was authorized by them to accept money for my escrow on Wells Fargo account. 

Please provide me the contact information for XXXX individual officer who is responsible for bookkeeping and accounting who can verify that they authorized Wells Fargo to accept my money. Was it transferred from Wells Fargo account to my escrow account? Who made this transfer? XXXX? 

Be informed that on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX informed me that the current owner of my alleged Loan is XXXX, who has no records about XXXX  involvement in any servicing activities. 

Be also advised that according to XXXX XXXX XXXX Form XXXX my alleged loan is in XXXX  XXXX and XXXX XXXX XXXX XXXXXXXX is Trustee who is responsible for administration and collection of my money. 

Be also advised that XXXX XXXX XXXX, XXXX is a fake corporation registerd in XXXX by XXXX XXXX as a Single Member XXXX. XXXX died in XXXX and never transferred ownership of XXXX to anyone. All my money are collected and processed by XXXX XXXX, who confirmed it several times. 

Wells Fargo must provide full disclosures why they collect my money on THEIR account and who authorized them to deposit these money on Wells Fargo account and who is the owner of this account.
Product: Debt collection

DIVERSIFIED CONSULTANTS, XX/XX/XXXX DIVERSIFIED CONSULTANTS, XX/XX/XXXX TO WHOM IT MAY CONCERN, This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named federal law. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for at least the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, then by law all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Regards,
Product: Debt collection

According to 15 use 1681b section 2, the consumer reporting agencies can only furnish a consumer report under the written permission of the consumer whom it's relating to. My permission was not given. This is aggravated identity theft.
Product: Credit reporting or other personal consumer reports

Commencing XX/XX/XXXX I have called XXXX XXXX ( as listed on my documentation ) to question why an excessive number of XX/XX/XXXX day lates were reported for the last 78 months on my credit reports. Did not know I was being passed to the loan administrator XXXX XXXX. More than 17 dispute requests were submitted to XXXX requesting a review of payment account history be made for which I submitted proof of payment in the form of bank statements and electronic exports from my checking account. End result was XXXX made a partial correction without explanation as to why and how the calculations were made. Additionally, bank history for the 6.6yrs of the loan is no longer available on the XXXX website. No explanation as to why the XX/XX/XXXX payment was not recorded, but the XX/XX/XXXX was resulting in a rolling 30/60 late history for almost 2 years. One again opened disputes with all 3 credit bureaus on XX/XX/XXXX and sent the same supporting information to XXXX via the encrypted mortgage portal asking for a review. Receive a message on XX/XX/XXXX asking me to obtain a transfer form from my institution. I called XXXX XXXX and XXXX asking why I needed to obtain an internal bank record as proof when it was clear the payment was transferred by institution as seen on the bank statement. Was essentially ignored and was told there was nothing they could do and they couldn't see the supporting documentation provided. Received a phone call on XX/XX/XXXX from XXXX posing as XXXX to query about a negative customer service survey and ask how I was doing getting the documentation for the interbank transactions which is not privy to consumers ; they needed to add notes to my file.I have spent more than 24 business hours on the phone with XXXX XXXX being passed around of disconnected under the guise of " waiting for a supervisor. '' My new mortgage lender has been unable to speak to anyone although I have submitted wet signed paperwork permitting discussion.
Product: Student loan

I was advised/promised by a customer service representative for XXXX/XXXX who was advising me about consolidation into the income based repayment plan that my already qualified 6+ years of payments under the XXXX Loan Forgiveness program would be included after I consolidated. 

I recently discovered this is not only not true, these previously qualified payments do not count, but that there is also no process to appeal or review this decision. I was given false information and made financial decisions based on this information. 

If I had known I would lose almost 7 years of qualifying payments for working for non-profit agencies I never would have consolidated. I would have continued to pay the same rate for 3 more years and been finished. 

These programs are designed as motivators for people who are willing to make less money doing non-profit work. I 've upheld my end of the bargain. I 've never missed a payment or even paid late. Instead of being almost done, I 'm now faced with almost starting over again. This raises my qualifying payments to 17 years instead of 10. 

This is not right. My attempts to find help or people willing to discuss this issue with customer support are useless. Customer support agents are rude and often do not know what they are talking about or seem to make things up to end the call. I 've learned this the hard way. 

This situation needs to be made right. I have all the confirmation numbers for every payment since I graduated college. I recently learned from XXXX XXXX employee ID XXXX ( FedLoanServicing ) that this exact thing happens " all the time '', and there 's nothing that can be done. I do n't understand how a servicer who is handling my federal student loan can lie to me and I have to suffer whatever the financial consequences. 

Please help. 
Respectfully
Product: Debt collection

There is an XXXX  accouny with XXXX XXXX XXXX that is not my account. I have requested that the collection agency validate the account and have not received answer in timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect balance being reported by reporting agency
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX, XXXX XXXX Name : XXXX XXXX XXXX Act Name : XXXX  XXXX, Act Name : XXXX XXXX, Act Name : XXXXXXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.