23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to dispute a fraudulent charge on my account in the amount of {$5600.00}. The Fraud was committed in XXXX XXXX XXXX located on XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Store # XXXX and Store phone number is XXXX. 
Chronology of the events : XX/XX/year> = I visited the store to make a purchase ( a bedroom set ). I applied for a credit request in order to make the purchase. I was approved with a credit limit of {$6500.00}. The initial balance of my purchase was of {$3000.00} in total for the set. I made a down payment of {$310.00} and the account was ended with a balance of {$2700.00}. 
XX/XX/XXXX, XXXX = I received the statement and proceeded with the XXXX payment. 
XX/XX/XXXX, XXXX XXXX payment sent by mail by {$1000.00} check. I have a remaining balance of {$18.00} XX/XX/XXXX, XXXX I made a phone call to Comenity Capital Bank to make sure that my payment was received. In the same call, I was told by customer service that my balance due had increased from {$2700.00} to {$9300.00}. My identity was stolen, and my credit was used for a new spending amount of {$6500.00} on XX/XX/year>. I told them immediately that I did not make this purchase and I did not recognize that charge for {$6500.00}. Also, I did not approve or was not present at the store, nor was I a phone call requesting any other purchase or credit limit increment and and my signature was counterfeit. 
XX/XX/XXXX, XXXX I opened a dispute for {$6500.00} as Identity theft since I did not approve or buy or ask for any credit increment to purchase anything else. I did not make any new purchases after XX/XX/year>. 
XX/XX/XXXX, XXXX I received the answer from Comenity Capital Bank XXXX They answered that they found that my account balance is correct. 
XX/XX/XXXX, XXXX I made a monthly payment of {$130.00} to cover my bill. 
XX/XX/XXXX, XXXX I have closed the account with Comenity Capital Bank for future theft.
Product: Student loan

I would like to request a full accounting of my student loan ( s ) with ACA. I owe far over XXXX and I think the principle balance is below XXXX. 

How much of my balance is interest, fees, principal or any other charge?
Product: Credit reporting or other personal consumer reports

Mercedes-Benz Financial Services XXXX Subject : Formal Demand for Removal of Inaccurate and Unfairly Reported Late Payments To Whom It May Concern, I am formally requesting the removal of the following late payments from my credit report as they may have been reported inaccurately, unfairly, or in violation of consumer protection laws : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Under multiple federal and state laws, creditors and credit reporting agencies are required to ensure that all reported information is accurate, fair, and legally substantiated. I am invoking the following legal provisions to support my request for removal : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & ( B ) Creditors are prohibited from furnishing information to credit reporting agencies that is inaccurate or can not be verified. 
If the late payments reported were due to a billing error, system delay, or another incorrect factor, they must be removed immediately. 

2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If an item on a credit report is disputed and can not be fully verified, it must be deleted from the credit report permanently. 
I am requesting a formal reinvestigation of these late payments. If Mercedes-Benz Financial Services can not provide legally sufficient proof that these payments were rightfully reported, they must be removed. 

3. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) It is illegal for creditors or collectors to report false or misleading credit information. 
If these late payments resulted from a hardship, system issue, or processing delay, continued reporting would be unfair and deceptive, which violates federal law. 

4. Consumer Financial Protection Bureau ( CFPB ) Regulation 12 CFR 1022.43 Credit furnishers must provide timely and accurate corrections when a dispute is raised regarding reporting inaccuracies. 
If any of these late payments are not removed, I am prepared to file a formal complaint with the CFPB for unfair credit reporting. 

5. Uniform Commercial Code ( UCC ) UCC 1-203 & UCC 2A-109 All financial institutions must conduct business in good faith and can not engage in unfair practices that negatively impact a borrower. 
Given my strong prior payment history, I request a goodwill adjustment as a reasonable and fair resolution. 

6. Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 If these late payments were caused by financial hardship, disability-related issues, or personal circumstances, denying my request for removal could be deemed a violation of my rights under the ECOA. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violating of the law. Experian is committing identity theft, they do not have my consent to report the account and addresses below. 

Experian is in violation : 15 U.S. Code 1602 - ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

unauthorized use, ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

15 U.S. Code 1643. ( E ) the unauthorized use occurs before the card issuer has been notified that an unauthorized use of the credit card has occurred or may occur as the result of loss, theft, or otherwise. 

I am demanding deletions of the unauthorized account, addresses and inquiries listed below on my experian consumer report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have had a XXXX ( XXXX ) starting in XXXX. In XXXX XXXX of my Doctors ( XXXX XXXX XXXX ) stated that I was likely fully XXXX. In XXXX XXXX I was ruled by an administrative judge to be XXXX and eligible for Social Security XXXX. Veterans Legal Aid in XXXX XXXX Florida ( XXXX XXXX, XXXX. ) contacted NAVIENT but they have refused to discharge the loans as required under the law. The continued marking of my credit report as delinquent and and the large balance owed vs my poverty level income from Social Security XXXX leaves me very vulnerable to being unable to renew my lease in XXXX as these directly impact credit scoring. 

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

Each time I call Tran Union and bring their attention to incorrect items or items that has not be varied, they open up investegation to items the is okay on my report Later the become negative items My credit score dropped 40 points after I talk with them about one item that was not my item and the company refused to vary information and stated it was not my information. 
Student loan was okay but up dated to being late-WHY this is not was not reported before they investograte but told me over the phone the item was update and ok- tape recorded the conversation
Product: Debt collection

Common Wealth Financial debt collection did not make any attempt to notify me by phone or mail that I had a debt in their office. With no notice made I was unable to verify or even given a attempt to make a payment if found it was a legit debt. This company just placed a collection debt on my good credit report. The debt in question is a medical bill from a medical service provider named XXXX  XXXX XXXX. XXXX. They are the holders of the original contract for service. This bill among others were included in a lawsuit and had a LOP in place or were negotiated and paid by the law firm representing the case per the signed contract of settlement supplied. As a patient that was unable to take care of himself, I was in a hospital after XXXX surgeries then moved to assisted living facilities and rehab centers for over a year. All mail send to my residence was forwarded to the law firm so they could handle all the bills as there was close to a XXXX dollars worth of them. This debt collection company has violated the law by not offering a opportunity for me to pay the debt or even made me aware of such debt, if it was a outstanding one. The amount this collections company has does not match the amount my lawyers had, shown in the forms after my medical insurance paid.
Product: Bank account or service

I think Citizens bank needs to be examined for unfair and deceptive trade practices. I recently set up a recurring automatic payment to come out of my account to pay my mom 's assisted living rent each month. I set it up online through Citizens using their online bill payment functionality to come out of the account on the XXXX of each month beginning XXXX/XXXX/15. I also set up to get a reminder email too. Well to my surprise I got the reminder email yesterday XXXX/XXXX/15 stating that they were processing it yesterday and that the estimated delivery date per their experience with XXXX XXXX was XXXX/XXXX/15. The payment would be sent out via Mail since XXXX XXXX is not set up to electronically receive payments. Panic set in after getting this email since my mom 's XXXX check is not directly deposited until XXXX/XXXX/15 so if XXXX XXXX happens to get the check prior to that date it will bounce and fees will be assessed by both XXXX XXXX and the bank. This is unfair and deceptive since all the labels on the screens I filled in on Citizen 's website list the send date as XXXX/XXXX/15 and payment date as XXXX/XXXX/15. Sounds to me like Citizen 's has a big fee maker going on. I wonder how many consumers have had to be bounced check fees because of this practice. They need to change their program to include at a minimum a send date and a due date like other financial institutions. I have attached exhibits to support my claim. I called the bank customer service for something else and brought up the subject and they put a note on the file. The confirmation number for that note is XXXX dated XXXX/XXXX/15.
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDR THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGLEHARDT V GRAVENS ( MO ) 281 SE 715 719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT IN FACT IS MINE. PLEASE REMOVE THESE FRAUDLENT INQURIES FROM MY CREDIT FILE
Product: Credit reporting

Approximately on or about XX/XX/2016 I filed a dispute with Experian who failed to due a proper investigations because they limit the amount you can write in order to prompt and investigation. These are the following issues I have : Personal Information I have filed a dispute regarding the name XXXX XXXX XXXX. I have never gone by this name nor have I ever submitted a credit application for this name. I am requesting that this inaccurate name be removed from my credit report but Experian reported that it was accurate and that a credit agency reported this name. 
Credit Accounts XXXX recently in error reported me 30 days past due. I spoke with XXXX on XX/XX/2016 in regard to the error on my report. When I asked then to change the error I was informed by the collection rep that they can not change credit report errors and that only the credit bureaus had the authority to do that. I was instructed to file a dispute which would prompt XXXX to change my report. I filed a dispute as instructed but Experian just called to verify information instead investigating the phone conversation with the rep.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is someone else using my information! There is a XXXX XXXX with her husband name and credit coming on my report! What is going on! She is using my credit! There is fraud! 
Help plz XXXX XXXX XXXX XXXX
Product: Debt collection

Delta Management Associates , Inc. sent fraudulent wage garnishment papers to my place of employment. They did not contact me first, did not provide me with a chance for a hearing, did not validate, nor verify the debt, and they are not a guaranty agency. As a third-party debt collector, they should not have sent garnishment papers, due to their lack of guaranty status. I tried to resolve the matter via CFPB complaints, a XXXX   complaint, a complaint to the California Attorney General and through direct communication with Delta Management Associates , Inc . I was unsuccessful. I then went to Small Claims Court and obtained a judgment. I still have not been paid, and the garnishment has not been stopped. In other words, I was garnished again after the judgment. I have included the judgment and would appreciate the return of my funds and the cessation of a fraudulent garnishment. Thank you.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these Accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As part of an identity verification after failing to receive verification codes via text, the Social Security Administration uses Equifax for soft inquiries. SSA sent a letter to my attention with a verification code and stating that Equifax will be used, which means my credit freeze with them has to be lifted temporarily. The SSA letter has an expiration limit and Equifax 's website has been down and I can not lift the freeze. I attempted to call them and received the same answer, their system is down. How then can someone finish this process. Equifax needs to be held accountable or shut down.
Product: Debt collection

On XXXX XXXX, 2015 I received a call from the phone number XXXX. The phone call did not feature a " live '' conversation- that is, I did not speak with a human being. The only message I received was " Hello. We are calling about a pre-legal matter. If you have retained an attorney, have them call us at XXXX. Thank you. '' I called the number back immediately after the call disconnected and received a message of " Hello. NO one is available to take your call. Leave a message and someone *may* return your call as soon as possible. '' There was no identification of who the company was, nor was there an option to speak with someone. I researched the number in question and found the company to be a company named the " Northeast Collection Bureau. '' I do not have currently, nor have I ever had in my possession any documentation from this company proving any kind of debt. I am offended by their attempts to contact and feel that, the nature of their phone call ( " this is a legal matter, you will have your attorney call us immediately '' ) is both harassment and extremely threatening. I WILL NOT BE THREATENED BY A COMPANY THAT IS TOO LAZY TO PROVIDE PROOF OF THE EXISTENCE OF A DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is my case number with institution. 

I simply accessed my online account in XXXX of XXXX to switch auto-draft accounts from one bank to another. When doing so, the website explained that it would take 30 days to reflect the changes. What actually happened, is they removed the current banking information immediately and waited 30 days to update the new account. In turn, I was balancing my checkbook for the month of XXXX, and realized my mortgage payment had not been deducted. I called Stearns immediately. They stated that I was 32 days delinquent on my account. I asked why they did not attempt to contact me ( after verifying all of my account information was correct, something they ask every time you log in ). They had no answers. Why would they have not called or emailed if I was late? I resolved the payment issue immediately and asked them if they had reported it to the credit bureaus. They stated that they report 30 days delinquency ( essentially I was 2 days late ). I asked for a reversal they said I would have to dispute via an online application, which I did, 3 separate times. It is now 4 months later and I have not received correspondence to correct this issue. My credit score has dropped over 120 points for the one discrepancy. My score went from a XXXX to a XXXX overnight. I am now getting declined for premier credit cards ( which I had no problems previously ) and my student loans payment has increased by 1 full point as there is an adjustable rate which is dependent on your credit score as a factor. This is costing me a substantial amount of financial distress. I feel that Stearns should remove the delinquent report immediately. Their website verbiage was misleading, and they made ZERO attempt to contact me and allow me the chance to make the payment before reporting my delinquency to the credit bureaus. This is not fair practice as to the magnitude of troubles it has caused me financially.
Product: Checking or savings account

I walked to the City National Bank and was met by XXXX XXXX. XXXX asked me to go to the conference room. When I entered the conference room I was told they are not like other banks and opening a checking account can take 2-3 days and he asked for the information on my employer who banks with City National Bank. I gave him that information and he told me that in order to open an account he would have to come to my office and that there would be an 11 day hold on my deposits. I asked him if that applied to checks that were drawn on the bank and he said yes. As a former banker I knew this could n't be correct and I left. He clearly did not want me to open a checking account with the bank. He was rude and gave be inaccurate information based on the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any updated correspondence from this company regarding my complaint. It has been more 2 months since the initial contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings CFPB Team, I am requesting your assistance in resolving a Transunion account reporting, record verification and resolution notification concern. 

On XX/XX/XXXX, Transunion received by certified mail a Dispute and Removal request regarding a collection account from XXXX XXXX, XXXX for {$4900.00}. A request for Validation by XXXX XXXX, XXXX ; was sent by certified mail. The company never responded to the XX/XX/XXXX validation letter. Approximately 30-days later Transunion responded stating the account verified and no changes were required. 

On XX/XX/XXXX, Transunion received by certified mail a Method of Verification request advising XXXX XXXX, XXXX had not been able to validate the alleged debt per the Fair Debt Collection Practices Act. Therefore, the agency and bureau by law can not report a non-validated account. It was then requested of Transunion per the FCRA regulations they had 15-days from receipt to provide their full Method of Verification. 

On XX/XX/XXXX, I spoke with a Transunion associate by the name of XXXX that stated they had an open dispute and could not release any information regarding my file. He then advised the dispute would be resolved by XX/XX/XXXX. The associate was educated that my certified letter was not a dispute but was a Method of Verification.  Additionally, I cited that processing guidelines allowed 15-days from date of receipt to supply the documentation and information requested per the FCRA guidelines. 

The associate then advised, they did not have any documentation or information regarding what the collection agency supplied. He also stated they do not control what the collection agency/creditor sends to verify the account. 

As of today, XX/XX/XXXX, which is 8-days past the FCRA, stated guidelines and Transunion, has not provided a written response to the request. I have subscribed to the Transunion platform in order to monitor my credit file and as of today, the dispute Transunion opened has closed without a written notice. In addition, the XXXX XXXX, XXXX account continues to report despite their inability to validate the account as requested. 

At this time, I am requesting CFPB to hold Transunion accountable for the blatant disregard of fair and accurate reporting. They also have practiced gross negligence in opening a dispute in lieu of providing their original Method of Verification. 

Without the collection agency validating the reported information and Transunion not providing their Method of Verification, XXXX XXXX, XXXX must delete the alleged debt. I hope that this will resolve the issue to avoid utilizing the services of judicial system. 

Thank you very much for your assistance and understanding. 

Best Regards,
Product: Bank account or service

I have banked with Chase for about ten years like a fool with out ever receiving a bank statement. And, when I made a request for XXXX, bank statement, my account was closed.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$7500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.