23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have had consistent issues with Comenity Bank with my TORRID credit card every month when trying to pay my bill. I have various credit cards but never have I had such issues with a website. I have been trying to log in for an hour to pay my bill. I'm a busy mom, on a tight budget. Today is the last day to pay before it is late but I had to wait for my husband 's check to go through. I have video proving how difficult it is to log in to pay my bill. It kicks me out every time I try to pay my bill and when I try logging back in, it claims my information is wrong. I have attempted to log in about XXXX times and still, not working. I moved from my cell phone to my laptop just in case there was some issues with my phone. I cleared the cache in case it was stuck. But I can login to other websites and actually made other payments. This bank is shady and the interest rate almost quadrupled even though I have good credit. They are taking advantage of the consumer and we need help to deal with their shady business practices. Consumers be ware and do not sign up for credit cards that are offered by Comenity Bank. They are scammers.
Product: Debt collection

I, have tried numerous times to contact the collection agency as well as e-mailing them and I have got no where. I have not received any recent mailings with the proof of the so called debt. I have tried to have there negative entry removed, I have consulted with the credit bureaus as well as an attorney. I will continue to fight and keep this entry under dispute. I will also be sending this company a demand letter. This is a debt I'm NOT responsible for and I refuse to share a cent with them. The amount of this illigitmate debt is around {$330.00}, I dont even recall what for either. This collection agency has terrible reviews all over the net. I have also placed a bad mark against them with the XXXX as well as alot of other public forums.
Product: Bank account or service

Roughly XXXX years ago I held accounts with Bank of America. After having recurring issues with the account, the account was closed and eventually charged off. I paid BOA all monies owed XXXX {$170.00} XXXX, and have obtained receipt of payment. I recently went to open a bank account at another institution, and everywhere I go I am told that I am unable to open a new account of any kind due to a BANK OF AMERICA account that was satisfied. When I went to BOA to enquire about this, they said informed me that it was nothing they could do, and that this matter is in the hands of XXXX. After contacting XXXX, I was told that BOA reported me for suspected fraud. I later learned that XXXX is an entity jointly owned by BOA and other major banks. I have never been fraudulent in my dealings with my accounts, and was never notified of such suspicion or allegation from Bank of America. It is my understanding that bank records remain on XXXX for up to XXXX years ; however, with this XXXX situation it appears I can be restricted from opening bank accounts for another XXXX YEARS?! After repeated conversations with Bank of America, as well as having PAID IN FULL the debt owed, it appears I am being blacklisted from banking elsewhere, even though I OWE NOTHING to them. I AM BEYOND FRUSTRATION!!!
Product: Credit reporting

In XXXX, I co-signed for a student loan for my nephew from a private bank which was not backed by XXXX XXXX. He graduated in XXXX and unbeknownst to me was making payments sporadically. 

In XXXX, I had to declare bankruptcy due to medical reasons and all my debs were discharged in by XXXX XXXX including my nephew 's student loans. 

My nephew stopped making even his sporadic payments and XXXX came after me. I informed them and submitted to them my bankruptcy discharge papers to them. This did not satisfy them. They kept calling and harassing me. 

Eventually they sold off the loan and my nephew ended up paying off the loan in full in XXXX yet XXXX kept reporting on my credit report and impacting my credit score as a charge off. 

To add insult upon injury they provided my nephew with a letter but they refused to provide me with a letter saying my name is not on the account. I have tried to dispute the account on my credit profile but the idiotic incompetent agencies keep listing this debt as verified and accurate. They then advised me to call the number on the credit report. 

When I tried to call the number on the credit the number of course was disconnected!!! Equifax, XXXX and XXXX are totally useless.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit report act XXXX XXXX Account # XXXX, XXXX XXXX # XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have been made aware that a credit charge has been placed on my national credit report by XXXX XXXX University and it has been made fraudulently. I have had this discussion with their school officials and Ive told them numerous times I was never enrolled at their institution. It was an enrollment advisor who made this decision on her own fruition after she made notes on the account that she couldnt reach me or and still made a conscious effort to vindictively enroll me without my consent. They kept asking me to write a letter stating this and I told them no because its an admission of enrollment and it wouldve protected and absolved the employee from all responsibilities of what she took upon her to do with out my approval and with any consent, fraudulent on behalf from me. I never confirmed enrollment with any representative at XXXX XXXX University. 

I have spoken to numerous representatives, most of the encounters were unpleasant XXXX and XXXX, some were deceitful and only a few were understanding and kind .I told them I dont agree with what was done and I think it was a biased and prejudice move and that writing a letter would suggest that I did agree to enrollment, and not XXXX XXXX Representative that I spoke to tried to even correct the matter. This so-called enrollment XXXX, documented Im some note taking system that she never spoke with me after our initial conversation of me expressing intention and interests and according to her, as I was quoted by another representative it was like I, ( XXXX XXXX XXXX XXXX dropped of the face of the planet, because she never spoke to me or heard from me again. I am a XXXX individual and Im sure she didnt hear from me again is because Im XXXX XXXX XXXX XXXX XXXX XXXX. Knowing all of this brother this enrollment specialist or her colleagues could help me resolve this issue. All in all, she still thought it was a great idea and continued to go ahead with the fraudulent enrollment illegally and without my consent. Then, XXXX XXXX had the unmitigated gaul and audacity to turn this over to a collection agency, XXXX XXXX XXXX for {$13.00}, XXXX I have contacted Federal Student Aid, NELNET, XXXX Department of Education, XXXX XXXX XXXX XXXX and the local news outlets to help me get this resolved for good. I am extremely hurt and disappointed by what XXXX XXXX made a conscious decision to do and also in their lack of understanding in attempts towards resolving this as well. Filing these fraud charges against XXXX XXXX is the only way its going to get permanently resolved, removed and dismissed. 

I can be reached at XXXX to further discuss how this is going to be resolved and rectified by XXXX and its representatives. 

Respectfully submitted, XXXX XXXX
Product: Credit card or prepaid card

Mastercard issued by Fifth Third Bank was cancelled without ANY notice given whatsoever. Not written, by Email or Phone notification. There was no balance on this card as I have not used in a couple of months but when I went to make a purchase card was declined. Not knowing why, I was unable to contact bank. I only realised after my credit reporting notified me the card account had been closed. Apparently this is the way the consumer is treated by these banks during the worst Pandemic in anyone 's lifetime. It is unconscionable and disgusting way be treated this way. These banks should be ashamed and embarrassed. I can only imagine how they treat their other customers who may be less financially stable then myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, my name, social security number and address has been used fraudulently. This information is/has not been on any of the other credit reporting agencies, only TransUnion. The company TransUnion states the FCRA does not apply to them, and they will continue to put negative things on my report and would make my life miserable by putting negative information on my credit report.
Product: Mortgage

I set up biweekly payments in XXXX and picked my dates as the form says it never drafted in XXXX I was current in XXXX I was planning on making XXXX split payments in XXXX as the lady from customer service has explained but now XXXX didn't draft and am now late not by my fault as dates I had set up money was available and still is but US BANK won't take the split payment as now it says I am in default. MOST of ALL the people set to help me are very rude and snotty for how much I pay for this company I should be treated as a valued customer not a scab like I was.
Product: Debt collection

I disputed Midland Funding LLC with all three credit bureaus. I disputed the charge for the amount of {$710.00}. I have no knowledge of the account. I have never had an account with this company.
Product: Prepaid card

I was on unemployment in the state of Oregon in 2021. My unemployment claim says I received {$17000.00}. But I did not receive that much money. On the day it was deposited it was XXXX XXXX and the deposits went up more than the weekly payment then went down. I tried to copy the transaction history as proof. The website for the bank did not allow screen shots so I had to hand write it. I did. I also got locked out because of password issues. During that time I believe it was in XX/XX/2021 the bank website did a reface, changed their website platform. When the website was refaced it no longer said the same thing. I know that sounds off. Im not a bank savvy person. Its been 2 years I dont remember exact dates. I lost my journal and I have a job am working so I dont know what happen but I know I did not receive that money. I believe it was the bank that took that money because I do recall them saying there was a card request and I didnt request it and they couldnt tell me who did. I did call the bank several times in 2021 to get them to look into it but to no avail. I think it was fraud on the bank end because they were the middle man between my unemployment claim and my receiving the money. It was all so confusing and frustrating. I hope this helps you to check into that bank and their employees. Thank you.
Product: Checking or savings account

Bank of America has repeatedly declined our fraud claim after allowing an unauthorized wire transfer on XX/XX/year>, that stole our savings of $ XXXX. Despite our diligence reporting the fraud and identity theft incident promptly to the bank and the authorities, and pursuing details of the fraud scheme with the Mobile Carrier ( XXXX ) and Wire Receiving bank ( XXXX ) in hopes of helping with the investigation and pursuing the perpetrators, we were treated with complete lack of transparency and engagement by BofA 's Fraud team, receiving only boiler plate claim denials on XX/XX/XXXX and again on XX/XX/XXXX. We'd like help to escalate this with BofA for another appeal of this claim. 

My wife and I have joint accounts with BofA and been a customer for 27 years, and we maintained a sizable balance through payroll direct deposits to qualify for the Gold Tier Rewards Program ( XXXX $ XXXX balance ) that they actively promote. On XX/XX/year>, my wife unexpectedly lost cellular service on her XXXX and was a victim of SIM-swapping, and someone impersonated her to request an unauthorized wire transfer of $ XXXX that cleared our joint BofA accounts . We reported the fraud right away to BofA 's Fraud department ( claim # XXXX ), filed reports with the FBI and XXXX XXXX XXXX XXXX XXXX , even alerted XXXX bank where the wire transfer was sent to and we had no relationship with. Still BofA denied our claim on XX/XX/XXXX saying the transaction was authorized by us, clearly implying we were making a false claim and not standing up for their lapse in security in allowing this unauthorized transfer. 

Following escalation to CFPB we were contacted on XX/XX/XXXX by BofA informing our burden to prove we were victims of Fraud and Identity Theft by gathering evidence from our Mobile Carrier, and even then our refund would be dependent on BofA 's recovery of funds. They even said their voice recording of the fraudster is not required in their internal investigation. So we collected details from XXXX XXXX ( XXXX ) and shared the log of events supporting the Account breach and Sim Swapping incident on XX/XX/XXXX, but after reconsidering the case without feedback we were denied again on XX/XX/XXXX. 

We need to hold BofA for their security lapse and subsequent ill-treatment of its loyal customers who trusted them with their financial assets through the promises of its Rewards Program. We've repeatedly demonstrated that we had no part of the transaction, that we quickly alert BofA and the authorities of the incident, and had no knowledge of the account that the wire went to. Thus we should have XXXX $ liability as BofA touts in their customer agreement.The bank is clearly taking advantage of the true victims here rather than pursuing the perpetrators, prioritizing its own interests over that of the consumers by shifting the burden of proof in the claim process.
Product: Credit reporting or other personal consumer reports

Since XXXX and XX/XX/XXXX, I have requested that Nelnet update my credit report balance to XXXX, my student loans were transferred to XXXX on XX/XX/XXXX, which meant they was paid full and if I call the number the recording says " Your loans are paid in full '' yet on my credit report, the balance for Nelnet continues to state I have a balance on numerous loans. I have called Nelnet in the past month at least 5 times and they stated that they were working on it, yet I received a letter in the mail that states my balances are correct which is not true. Secondly, one of the times that I have called in the past month, the representative stated that they were under a new system in which whomever the loans are transferred to, is supposed to correct my credit report which does not make any sense. I have sent Nelnet, XXXX, and XXXX all 3 copies of my credit report dispute with the balances and do not seem to get it. At least {$50000.00} of loans from Nelnet still have balances. I have sent copies of all credit bureaus and called at least 5 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry was made in n my report by error. XXXX XXXX XXXX XXXX ( XX/XX/2023 ) I did not authorize this inquiry.
Product: Debt collection

XXXX, XXXX XXXX  XXXX, XXXX, VA XXXX has been billing me weekly for well over a year. I have contacted them between XXXX and XXXX times reporting to them that this is not my account and that it is fraudulent. They have zeroed out my balance every time and have assured me that they would cancel the account, but I would still get bills weekly. XX/XX/2024 they sent me a collection notice that I received XX/XX/2024. I called XXXX on XX/XX/2024 and once again reported that the account is fraudulent and they once again assured me that they would take care of it. I have now received a collection notice from Synter Resources Group, LLC attempting to collect money for this account that is not mine.
Product: Mortgage

We asked for a disaster forbearance in XXXX for hurricane Ian as I had standing water in my house. I was told by the company that services my loan Mr. Cooper that I could get a three month disaster forbearance and the payments would roll to the end of the loan as it was for a disaster. Now Ive been trying to make payments since XXXX to which they refuse to take them, they told us they miscoded the forbearance and some how an extension on my disaster forbearance was filed with out my knowledge or consent and then denied and now they will only give me loan modification or pay the total sum.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from XXXX XXXXS, the loan servicer, that my loan was past due. I had believed the loan was deferred. The notice I received stated that the loan was late, but not yet 30 days past due. 

I contacted an account representative and she gave me information on getting back into a deferment. I explained to her that I did not want any late mark on my credit report. She stated that it was too late to get a deferment for that month and I could apply for one for subsequent months, but needed to make a payment for that month. I agreed to do so, and before the 30 day window made a payment in the amount that she had told me was due. She had assured me that if payment was received before the 30 day window passed, it would not result in being marked as late to credit reporting agencies. 

Despite my making the payment, they have reported that account as late to credit reporting agencies, resulting in serious damage to my credit score.
Product: Debt collection

This account is listed as being opened and late as of XX/XX/2020 which is completely incorrect. This account is from years ago and that needs to be corrected.
Product: Mortgage

I have attached relevant documents regarding my motions for poor person status and appointment of counsel and motion for a stay of the foreclosure judgment and report of judicial misconduct, the two replies and a subsequent letter to New York State 's mid-level appellate court, The Appellate Division of the Third Department. From reading these documents and some of the exhibits attached, I think the CFPB should see the merit of my appeal and how Key Bank 's legal arguments through its attorney-for-plaintiff, XXXX XXXX, XXXX. of XXXX, XXXX, XXXX XXXX XXXX, XXXX are not consistent with federal bank regulation, New York State statute and New York State Court of Appeals precedent. 

I have sent a copy of this complaint to Key Bank CEO XXXX XXXX and SVP and Manager of Credit Collections and designated CFPB regulation compliance officer XXXX XXXX.
Product: Debt collection

RADIUS GLOBAL SOLUTIONS XX/XX/2023 {$2300.00} Ask to him removed. 
Identify theft wrong information
Product: Credit reporting or other personal consumer reports

I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally. 
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Product: Debt collection

This is a bill generated because the XXXX XXXX company said that my XXXX  did not give them the test results or do the correct paperwork so I am being charged for the monitor, that was returned in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

What information is requested? I RECENTLY SETTLED AN ACCOUNT THAT WAS REPORTING ON MY CREDIT. THE PERSON OVER THE PHONE STATED THAT THE ACCOUNT WOULD BE DELETED AS PART OF MY SETTLEMENT. THE BALANCE HAS BEEN UPDATED BUT THE ACCOUNT STILL REMAINS ON MY CREDIT. PLEASE DELETE AS THIS WAS THE AGREEMENT TOLD TO ME BY THEIR PHONE AGENT
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 Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX 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 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 Account Number:XXXX  Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a 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: Mortgage

USAA stated on XXXX that they will not proceed with consideration of my mortgage application unless I pay them {$500.00} before XXXX. The loan officer said that the payment is required of all borrowers to demonstrate their commitment to USAA as their lender. I do not believe that I should have to pay USAA for consideration of my VA loan application.