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

XXXX XXXX credit card is issued through Comenity Bank. 

They have a horrible security practice of making the account number the credit card number. This is terrible IT security. This " account '' number isn't on any statement that they send you, they assume that you will know it is the credit card number. 

Currently it seems all of their ( Comenity Bank ) systems are down. They had a planned website update, but users are now unable to log into accounts. They also offer a " fast pay '' service where you put in your credit card number ( aka account number ), zip code, and last four of social security number then it will let you make a payment. That is down as well. This is a great way to have built in identity theft .... 

I was able to log into my account yesterday, but it said that I was unable to add a bank account to make a payment due to their system upgrade. Then today, I am unable to log in. My account is currently past due, and I am trying to pay before it gets sent to a credit bureau that I am late. 

I called their customer support number, and it says that they are currently upgrading systems and to call back later. Then it hangs up. This is unacceptable. 

I have messaged XXXX through XXXX, and Comenity Bank 's XXXX page is covered with users complaining about this. Comenity Bank 's response is a boiler plate reply that they hit an issue with the upgrade and are trying to restore service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter talking about a security freeze. I am not familiar with this credit bureau and did not authorize them to look into my accounts.
Product: Credit reporting or other personal consumer reports

XXXX. ) XXXX Report # XXXX has a account listed as fraud and money owed to XXXX XXXXXXXX XXXX. They reported the wrong balance and status of account as suspected fraud. I have requested to opt-out of their reporting per ( 15 USC 68-02 ) as well as Inaccurate Reporting per ( 15 USC 16-81 ), Privacy Act of 1974 and 16 CFR 433.3 ( Illegal to report Transaction History ) 2. ) Experian Report # XXXX / XXXX # XXXX / XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02 ( opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness, which = Income and that cant be reported on credit report E ) Privacy Act of 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) 3 ) XXXX XXXX XXXX A ) 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02 ( opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness , which = Income and that cant be reported on the credit report E ) Privacy Act of 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) 4 XXXX XXXX XXXX A ) 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02 ( opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness, which = Income and that cant be reported on the credit report E ) Privacy Act 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) 5 ) XXXX XXXX XXXX  A ) 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02 ( opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness, which = Income and that cant be reported on the credit report E ) Privacy Act of 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) 6 XXXX XXXX XXXX XXXX XXXX  A ) 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02 ( opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness, which = Income and that cant be reported on the credit report E ) Privacy Act of 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) 7 XXXX XXXX XXXX XXXX  ) 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02 ( opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness, which = Income and that cant be reported on the credit report E ) Privacy Act of 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) 8 XXXX XXXX XXXX XXXX  A ) 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02-05 ( Payment History Illegal ) C ) Privacy Act of 1974 D ) 16 CFR 433.3 ( Illegal to report Transaction History )
Product: Credit reporting or other personal consumer reports

I had ongoing problems with online campus starting in XXXXso I began in person classes. GPA XXXX, did very well. XXXX XXXX XXXX  has requirement online for XXXX XXXX, had NO choice. Issues began again immediately-multiple contacts to help desk, even registered for school issued laptop-didnt clear. Emailed homework in, couldnt participate with XXXX Got a police report filed, 2 days later FBI shut down online campus to correct. I had to drop the class, was already too far behind. This isnt offered in person, I lost my scholarship, lost funding, and GPA was also reduced. Now my credit is being negatively affected for something outside my control and neither the school ( filed Administrative appeal which was denied ) nor the FBI will release liability. Disputed on credit report, and am filing this complaint. I will be seeking legal assistance after completing this process. Everything has a procedural process, this is my final step.
Product: Checking or savings account

I'm a retiree living in XXXX with a bank account in XXXX, Texas. The only means I have of drawing money is through local ATM machines. 

My debit card expired at the end of XXXX, XXXX I had not received my new card by mid XXXX and phoned the customer service number for international ( XXXX ) clients. They told me my card was on the way. Great. 
The exploration date expired and still no card. I phoned again. This time I was told the card was sent out in mid-XXXX. I told them that the card was not received. They said they would send me another one, and report the first card as lost. 
So, on XX/XX/XXXX, mind you, 13 days without any access to my money, a card arrived. I tried to activate it, but the automated service told me the numbers on the card were invalid. I phoned customer service and they told me the card was the first card they sent ( although they said previously that card had been sent mid XXXX, *two months* earlier ) and that they could not activate it since it was declared lost. So, they told me they would send me another card and to expect it within 7 to 10 working days. Remember, that would mean over 20 days that I have not yet been able to access my money to live on. 
I phoned again on XX/XX/XXXX and this time talked to a specialist. He said he understood my plight and would expedite my card, and I should receive it with 3 to 5 days. 3 days later a card came, but it was the " lost '' second card, and I was told I could not activate it. So, where was the 3rd card, the one I was supposed to get in 3 to 5 days? I haven't received it yet. I phoned again and was told the card was XXXX and was to be received by XX/XX/XXXX. ( What happened to the 3 or 4 days I was told I would get it? ). It looks like I have been consistently lied to, told the card was on its way, when it wasn't, that it was sent in XXXX when it wasn't, that I would receive it in 3 to 5 days, and then 2 weeks later I have yet to receive it. Somewhere along the way they claimed their card vender was behind schedule, but I don't know if I believe that now. And I doubt I will get the new card by XXXX XXXX, like they say. 
So -- to rehash, my card expired at the end of XXXX. XXXX is in 2 more days and I still haven't received a valid card. I am an old guy depending solely on my debit card to finance my life. I HAVE NO OTHER ACCESS TO MY MONEY. My wife and I are living on modest funds she set aside for her XXXX year old mother 's funeral, when the time comes. I should point out that the bank, Compass Bank BBVA is transitioning to PNC bank in Texas. I should also point out that their customer service is terrible. Not only have they lied to me, they are at times hard to understand, at least twice they accidently disconnected my phone conversation. And, did I mention, they lie. As I told them on more than one occasion, " THIS IS OUTRAGEOUS. '' Someone's life is at stake.
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 confidentiality under 15 USC 1681. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. 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: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 


These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In a recent dispute, the results came back verified. What was your method of verification? How did you verify my public record? I contacted the court house and they said they do not report any information to the credit bureau? 
All information on my credit report must 100 % accurate or it must be removed.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 
The following personal information is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed for Chapter 7 Bankruptcy protection. One of my creditors was a  Synchrony Bank/XXXX account that had an outstanding balance. I also had a Synchrony Bank/Care Credit Card that had a {$0.00} balance and was never late that I choose not to list on my bankruptcy petition per my attorney. My Synchrony/Lowes account was immediately closed by Synchrony Bank upon filing of the petition, however, my Care Credit account remained open. I used my Care Credit Account on XX/XX/XXXX for a pet emergency and charged {$220.00} on my card and it wasn't rejected. My Chapter XXXX Bankruptcy was discharged on XX/XX/XXXX and the Discharge Notice was sent to the creditors. On XX/XX/XXXX, I made an electronic payment of {$220.00} on my Synchrony/Care Credit account, paying off the outstanding balance. XX/XX/XXXX, Synchrony Bank closed my Care Credit account and initially reported the account as a Charge Off and I contested it, since it was never late and in good standing. I contacted them and questioned the action and the bankruptcy department at Synchrony Bank told me to basically put it in writing. I mailed the same complaint via a letter with all the attachments requesting that this be corrected back on XX/XX/XXXX via Certified Mail and it was received by them on XX/XX/XXXX per the tracking. I have filed disputes with all 3 major credit reporting agencies and Synchrony Bank apparently refuses to correct their mistake by reporting my Synchrony/Care Credit account as Included in Bankruptcy. It is also obvious that they are linking both of my accounts to the bankruptcy through my social security number and not the actual account numbers. The account was Closed by the Credit Grantor and at the time of closing it was Never Late, with a {$.00} balance and in good standing and should be reported as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX associate at XXXX XXXX to charge my account the XXXX that was available to be used, he over swiped XXXX onto my account. They will not accept or return my XXXX XXXX because that is the only way that they could fix that problem I was told. It has been almost 3 months now and I am tired of this issue not being resolved or disputed. Ive had identity theft going on heavy with my accounts and I want my issues resolved already. I want the people who tried to take out loans in my name, who wrote fraudulent checks, and who have been trying to steal my identity and intimidate me to pay for their crimes in a court of law to the highest extent. I will be pressing charges against eligible partys and affiliates for punitive damages to my mental health and my mental well being.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 previously disputed this company as their livense was not valid in the state of Michigan. They just renewed their license. As a result of me disputing and filing a previous CFPB complaint they have now loaded a duplicate of the same collection that was not validated previously. This seems like a retaliation attempt of some sort. My previous complaint to the CFPB comments are below. Not if these accounts need to be deleted for failure to validate and verify, and for the duplicate request as retaliation. 

I have an existing account of my credit bureau file from XXXX XXXX XXXX. The account number is XXXX Please be advised that I am disputing this collection account due to the fact that XXXX XXXX XXXX does not have a valid license to collect in the state of Michigan.the image I am attaching shows their license is closed meaning not active according to XXXX- Michigans department of licensing and regulatory affairs. I am requesting that this be investigated and this account be deleted from my credit profile immediately or provide physical proof XXXX XXXX XXXX is licensed to collect in the state of Michigan.
Product: Debt collection

I ask pmab to send me validation letter and they broke hipaa act by sending me my personal information as verification and not validation
Product: Credit reporting, credit repair services, or other personal consumer reports

It was reported on XX/XX/2016 that there was an amount that I owed XXXX   XXXX XXXX after they already closed my account. That amount still appears as unpaid on Chex Systems , Inc. Today, I went to XXXX XXXXXXXX XXXX and they told me that I don't owe them any amount, that it was already paid for.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 
Please delete the following accounts : XXXX XXXX Acct Number XXXX
Product: Credit reporting or other personal consumer reports

Kind Attn : Office of Consumer Affairs, Equifax I am trying to dispute and view my credit report on your portal, MyEquifax.com and other portals like Experian.com and IdentityIQ.com. All are reporting blank Equifax credit reports. 
My username on MyEquifax is XXXX You have messed up my credit reports, for which I sent disputes. I was monitoring my disputes online, but you decided to make it blank and unavailable to me. This is a malpractice. By what right have you stopped the online access to my own records?
Product: Checking or savings account

5/3 bank is potential discriminating against people based on their country of origin or service member status, by locking out online accounts based on physical location of those who are temporarily outside the United States. 

For example I am currently physically in the XXXX temporarily and am unable to log into my account due to the error message account login invalid. The only way to fix this is to call into customer service and wait 30+ minutes then be transferred to their online security team who will clear the error. After 24 hours the message will reappear and access will be blocked, even though I told 5/3 that I will remain in the XXXX until XXXX. 

Their new security process blocks online account management for service members who may be assigned to the XXXX ( note that I am *NOT* a service member ), and those of XXXX origin who are more likely to be in the XXXX and have their access blocked. While I am not of XXXX origin my future spouse is, and will be impacted by 5/3 practices when they are added to my accounts.
Product: Credit reporting or other personal consumer reports

I came across incorrect accounts on my credit report this morning, and I have no clue how they appeared. I routinely monitor my report, yet today I found discrepancies that hadn't existed before. Thinking it might be a technical glitch, I refreshed my browser, but the inaccuracies persisted. Given this, I kindly ask that my documents be reviewed thoroughly so that I can have peace of mind moving forward.
Product: Debt collection

Before the pandemic LVNV Funding and XXXX XXXX contacted me via phone and email threaten to take me to court for a lawsuit. I was getting harassing phone calls daily in the month of XXXX until end of XXXX. In the middle of XX/XX/2020 that is when they send me a court order to attend a lawsuit hearing. They threaten to send me to jail if I did not come to an agreement with them. I was shaken and frighten to be jail for something I know nothing about. The lawsuit cause my XXXX XXXX to go up and my health to decline with stress over the covid-19 and now lawsuits. I have attempted to contact them and was not successful. I left them detail messages and no one returned any of my calls. 

They stated that I owe them two amounts {$1000.00} and {$1100.00} ( LVNV Funding ). 
Sometime last year I heard of XXXX breach as well as XXXX breach. I am asking you to please help me put an end to the harassments from LVNV as well as XXXX XXXX who stated that I owe them {$670.00}. This will mean so much to me and my health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. I HAVE ENCLOSED THE PROPER DOCUMENTS TO BLOCK THE INFORMATION ON MY FTC REPORTS.
Product: Credit reporting or other personal consumer reports

I am submitting this to formally request the deletion of my account with Account name, account number.If youre unable to perform and can not locate the necessary documentation proving I authorize the procurement of my credit reports, then I respectfully demand the immediate removal of the said account. 
FIFTH THIRD BANK NA XXXX Balance Owed : {$43000.00}
Product: Credit reporting or other personal consumer reports

XXXX & other reporting Agencies report my name as XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX but it should only be reported as XXXX XXXX XXXX I have never been used any other way XXXX XXXX XXXXXX/XX/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 {$550.00} XXXX XXXX XXXX XXXX Also there should be no other address listed except XXXX XXXX XXXX XXXX, XXXX But they have unauthorizedly been reporting several they have not been authorized to report such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX as well as an employment job referencing XXXXXXXX XXXX and has never been given authorization to use
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted XXXX, Equifax, and XXXX, so that they can update my credit profile. XXXX made the change via phone but Equifax and XXXX would not. I am sending documented proof so that my information can be updated.