23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : TBOM/ASPIRE XXXX Balance : {$220.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$600.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00}, XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$820.00}, XXXX XXXX Balance : {$31.00}, XXXX XXXX  ( Original XXXX : XXXX XXXX ) XXXX Balance : {$240.00}, Inaccurate Personal Information : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX
Product: Debt collection

The company is Comenity Bank for XXXX XXXX. I with my mother, the owner of the account reached out to make amends for a missed payment while she was hospitalized. We expressed our wish to pay the account in full and close the account. The rep gave me a reduction in late fee of {$15.00} and gave a balance due of {$50.00}. He then closed out the account. I mailed the check and it was cashed on XX/XX/XXXX. My mother remained in a rehab facility out of her home state until XX/XX/XXXX at which time she moved into NJ. Twice an address forwarding form was completed. both by mail and online, and the postmaster general was contacted, however she received no forwarded mail. Forward to XXXX XXXX and she has received multiple phone calls that she owes {$340.00} to Comenity Bank in late fees and finance charges. No paper statements or verification of debt was sent. No appraisal of right to dispute was received. She was intimidated on the phone with being sent to collections if she didn't pay over the phone. Several attempts were made by my sister and myself to dispute the validity of charges and refund her money. I explained twice that the fees were excessive and violated the CARD act of XXXX because the late fee exceeded the minimum payment, twice I was told that's not true and doesn't exist. Furthermore no statements are available to review online past XXXX. There are just transactions for a minimum finance charge of {$2.00} and late fees of {$35.00} and up. We in good faith tried to rectify this in XXXX for a jacket that originally cost {$36.00}. We will agree to pay the last late fee that was charged in the XXXX statement and wish to get a refund of {$89.00} that she was intimidated into paying over the phone. Senior citizens shouldn't be subjected to these bullying tactics over the phone, nor should any citizen be prey to deceptive and abusive charges at the mercy of these banks.
Product: Checking or savings account

I made a complaint that my card was used fraudulent on XX/XX/year> from XX/XX/year> all the way till XX/XX/year> In The amount of {$780.00}. They said no error was occurred but it really was fraud.
Product: Mortgage

I am a XXXX veteran of the XXXX on a fixed income. I proudly served my country as a XXXX, and was able to take advantage of the government VA loan program to purchase my home in 1998. I am contacting you to file a complaint against my current mortgage company Nationstar, who is pushing me into foreclosure. The problem started when the loan ( which was originally with XXXX ) went to XXXX XXXX XXXX after XXXX went out of business. I had an affordable payment and escrow set up and had no problems. However, after XXXX got involved they decided that they had to have their own insurance on the loan which was much more expensive. They essentially made me switch to their force placed insurance. Being on fixed income this created a problem for me. I hung on for quite some time and tried to get XXXX to accept my insurance but they refused ; it did not make any sense because that insurance had been fine for over 10 years. It seemed like XXXX XXXX XXXX was getting a kickback or something by pushing me to change. 

Eventually the well was dry and I started missing mortgage payments and the loan went to Nationstar. I have been trying to get Nationstar to review me for help. They told me that they could not help me because my income was just a little short. So I decided we would rent out a room in our house in order to qualify for help with this loan. I have since been trying to get Nationstar to take a look at our current financial situation but have not made any progress. They do not seem interested in helping me, I talk to a different person every time and nothing has happened since I told them that I have a higher income. It seems to me that they are more interested in foreclosure instead of trying to work this out with me. I feel that I deserve better, and I know that there are government programs set up to assist vets with VA loans and I believe I qualify but Nationstar is not giving me a chance.
Product: Credit reporting or other personal consumer reports

I have disputed this account several times. It keep coming back unchanged. This account was included in my bankruptcy filed on XX/XX/XXXX and XXXX 0n XX/XX/XXXX. Case Number : XXXX. This creditor keeps reporting this account is a charge off and late on payment. If they keep reporting this way this account should be removed. or at least report the correct information. thank you
Product: Credit card or prepaid card

Was not receiving ANY statements even though they had my correct address. Called twice to complain. They hit me with multiple outrageous late fees in a short period of time and multiple hits to my credit. Did not offer solutions. Company was VERY difficult to get in touch with by phone, as the number was hidden in tiny print buried in pages and pages of text on the original documents that I received upon taking out the card. There was NO contact information available online. The company was very rude when I finally got ahold of them and did not offer any solutions. They put XXXX hits to my credit AFTER I chose to close the card, and these are the only XXXX hits to my credit in 15 years. They are predatory and intentionally gouging people with late fees and hard to reach by phone or email.
Product: Credit reporting or other personal consumer reports

Incorrect information being reported Address : XXXX XXXX XXXX XXXXXXXX, NC XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Address : XXXX XXXX XXXX XXXX, NC XXXX
Product: Debt collection

XXXX and diversified consultants keep calling and asking for a debt of {$1500.00} be paid and say the account was opened XXXX-2015 which ia not possible as i have had XXXX for 5 years. I have asked numerous times this be removed as it is not correct.
Product: Debt collection

I have contacted XXXX multiple times concerning this debt. An account was established at an address where I 've never lived. The negative account for {$2700.00} has been on my credit history. I 've contested it on my credit report it remains as an accurate account. XXXX has told me they would escalate the issue and have someone call me. No one ever calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I live in XXXX, TN. XXXX. XXXX XXXX someone tried to finance a car at XXXX XXXX XXXX in XXXX, AL., after three unsuccessful attempts with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX XXXX the credit monitoring service notified me. I called XXXX of XXXX with little concern for error. I decided to ask for accounting department. Explaining again the mistaken identity an employee admitted to a customer with a name similar to mine had tried to finance a car and also in entering the incorrect data that identified me along with other information that did not check out correctly.The 4 hard inquires hit on TransUnion. This field of information and workings was not familiar to me and has consumed many hours of research and inquires to the appropriate companies with absolutely NO help, concern or even a comment on getting the hard inquiries removed. Well i stand corrected one more I did speak to head of accounting and were sorry for the error and explained it was my responsibility to resolve the issue. Needless to say. They created And they should correct all mistakes.
Product: Debt collection

Commonwealth Finance keeps trying to destroy my credit for items that were proven to have no longer been my responsibility. As proof, please see the attached documents from XXXX Collections Management Center that show I 've had these items removed from my credit report XXXX before Commonwealth Financial went in and changed the dates so as to fool the system and collect their fees above all else. The items were disputed, removed, then re-inserted without notification. They need to acknowledge these past deletions and leave a XXXX vet alone!
Product: Debt collection

Enhanced Recovery Co LLC violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. 


Enhanced Recovery Co LLC had placed this negative items on my credit reports without notifying me. I would like Enhanced Recovery Co LLC to provide a copy of the document for which they had notified me by mail that was addressed to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Pa XXXX before this negative mark was placed on my credit reports. Should this time sensitive document not be available, the trade line should be immediately deleted off the CRA. Enhanced Recovery Co LLC violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. 

Lastly, it is disturbing that Enhanced Recovery Co LLC, placed this negative mark on my credit reports without notifying me by mail of my rights while I was disputing with XXXX in referrence to the same XXXX bill for {$1200.00}. 

XXXX collection company can not be collecting for the same debt, which it is in this case. 

I have enclosed copy of the document I received from XXXX dated XXXX/XXXX/2015, and Enhanced Recovery Co, LLC on my partial XXXX report dated XXXX/XXXX/2015 with Enhanced Recovery Co, LLC Date open XX/XX/2015.
Product: Credit card or prepaid card

I contacted Vanilla Visa XX/XX/XXXX regarding the XX/XX/XXXX {$160.00} fraudulent unauthorized transfer on my gift card. The transaction was from XXXX XXXX XXXX. When I spoke with the Customer Care person I was told that it was not a problem that the transaction had occurred XX/XX/XXXX and I wasn't reporting it until now. I explained that I had checked the balance on XX/XX/XXXX and that because I don't receive a statement it's something that I don't check monthly. I was planning to use it for a XXXX gift when I discovered the fraudulent unauthorized transfer. I submitted their Gift Card Dispute Form XX/XX/XXXX ( case XXXX ). On XX/XX/XXXX, in the mail I received a letter from InComm that said my claim was outside the 60 day time frame. According to the Cardholder Agreement ( see attached copy ) that they have on their website for Vanilla Visa Gift Cards issued by XXXX   XXXX  XXXX XXXX purchased after XX/XX/XXXX under the paragraph Your Liability for Unauthorized Transfers " Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions on the Gift Card Account is {$0.00} if you are not grossly negligent or fraudulent in the handling of the Gift Card. '' It then says " You must notify us immediately of any unauthorized use '' but does not indicate within a 60 day time frame. I feel I'm entitled to a {$160.00} credit. I filed a complaint with XXXX  ( see attached ). InComm has refused to help with this fraudulent unauthorized transfer. In fact in their XX/XX/XXXX response to the XXXX  they said they don't even consider it fraud. They are not honoring their Gift Card Cardholder Agreement.
Product: Debt collection

Since XX/XX/XXXX, I've been receiving multiple calls being at XXXX till XXXX. Calls are coming in from different numbers but from Capitol One. They will call 15 mins apart or every hours up until XXXX. 
It's none stop. I'm very much aware that I need to pay my bill but to be harassed every day all day for hours while I'm working is ridiculous including on the weekend. There is no break in between calls.
Product: Checking or savings account

XXXX : Formal Complaint Against Chase Bank Dear CFPB Hello! 

I am writing to formally lodge a complaint against Chase Bank regarding an unresolved issue that began in XXXX. 

**Issue Description** : In XXXX, I wrote a check to my friend, who deposited it into his bank account. However, this caused his account to be closed. When my friend went to his bank to inquire about the status of the funds, he was informed that the money had been returned to my bank account. 

In XXXX, I contacted Chase Bank by phone and requested that they file a claim with my friend 's bank to recover the funds, but I never received any follow-up or response. Due to work commitments, I was unable to visit the bank in person to discuss this matter with their staff. 

**Recent Developments** : In XXXX, I finally had time to visit the bank in person. However, the bank staff informed me that it was too late to file a claim due to the amount of time that had passed. I am extremely dissatisfied with this response, as I had initially requested a claim back in XXXX and received no action or communication from the bank. 

**Expected Resolution** : I hope that Chase Bank will take this matter seriously and take appropriate measures to recover the withheld funds or provide another reasonable solution. 

Thank you for your attention and assistance in resolving this issue. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I placed a freeze on my accounts with LexisNexis and requested a credit report from their agency ; however, I have not received any communication via email or postal mail.
Product: Debt collection

I am writing you today to inform you of a negative credit reporting of XXXX points that has dropped from a closed Sams Club account. I spoke with a representative about the situation and explained to her I didn't know my deposit bounced and I had no email or phone call regarding such issues. She goes to inform me to rest assured because she will dispute and remove the negative reporting off of my credit only to log back in to check my credit a couple days later to find out you all have reported negatively on my credit AGAIN after she has taken it off for me. On the XXXX she removed it and you all put it back on my credit on the XXXX. Due to me being in the process of buying property this is hurting my score tremendously and I am not able to move forward in the process. I would like for you to remove the negative impact as the representative promised before. Please and thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I CALLED TRANSUNION TO REPORT THAT I HAD INACCURATE INFORMATION ON MY CONSUMER REPORT THANKS TO THE WONDERFUL LADY SHE HELPED ME GET RID OF MOST OF THE THINGS ON MY CONSUMER REPORT BUT IM NOT DONE. TRANSUNION GOT RID OF 21 INQUIRIES THAT WERE SUPPOSED TO BEEN INVESTIGATED WHICH BY LAW MY CONSUMER REPORT IS SUPPOSED TO BE INVESTIGATED WITH FORWARD NOTIFICATION THAT MY CONSUMER REPORT WAS INVESTIGATED. I WANT TRANSUNION TO BE AWARE THAT ALL NEGATIVE REMARKS FOUND ON MY CREDIT REPORT IS A VIOLATION OF THE FCRA AND FDCPA. I AM WILLING TO SETTLE THIS OUT OF COURT. 

DEMANDING {$1000.00} PER INQUIRY REMOVED = {$21000.00} PLUS VIOLATIONS VIOLATED {$1000.00} = {$2000.00} CHARGE OFF XXXX = {$1500.00} XXXX XXXX XXXXXXXX. PAY STATUS- SATISFIED XXXX XXXX XXXX. PAY STATUS- SATISFIED, REOPEN CREDIT CARD, INCREASE TO XXXX CREDIT LIMIT SETTLEMENT CHECK {$24000.00} email me at XXXX for mailing address for settlement check XXXX : XXXX WITHOUT PREJUDICE
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed the account on my credit report from XXXX XXXX XXXX. I was not notified from Experian or XXXX XXXX XXXX before this account was placed on my credit report.
Product: Mortgage

Chase is attempting to foreclose on our family property with a fraudulent assignment, while in the process of trying modify the loan ; which is considered to be dual tracking.
Product: Debt collection

I have a XXXX bill on my credit report that does not belong to me I contacted southwest XXXX and told them that this is not my account and they still will not remover it
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a serious issue involving the compromise of my Social Security number, resulting in identity theft and unauthorized activity on my credit report. To address this matter, I have already contacted the Federal Trade Commission and filed an FTC report, which is enclosed for your reference. 

Under 15 USC 1681c-2 ( c ) ( a ), you, as a credit reporting agency, must promptly block and remove all information related to this identity theft from my credit report. This law requires that such requests be addressed within four business days of receiving the complaint with the following information : I am formally disputing any unverified or inaccurately documented information on my credit report, in accordance with the FCRA and Metro 2 data field reporting standards. Allegations of delinquency and derogatory information must be factually verified as required by federal and state law to prevent illegal reporting. 

Please ensure that all claims comply with the Metro 2 reporting standard and provide physical, verifiable evidence supporting the account 's existence and legitimate use. If such evidence is not available, I request the removal of the information from the report, along with authorization to receive documentation of your actions and an updated credit report. 

Accounts and Inquiry being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The unauthorized entries on my credit report have caused significant problems. Here are the legal violations that have occurred : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o - Civil liability for negligent non-compliance Violation of 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports Violation of 15 U.S. Code 1681i ( 7 ) - Method of verification Violation of 15 U.S. Code 1681a ( 4 ) - Right to privacy Violation of 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Product: Checking or savings account

Capital one advertised their XXXX savings account to be a high yield savings account reaching over 4 % interest. My account has never gone over XXXX
Product: Student loan

Navient has been on my credit report for some time now and refuses to come off. I have never had a loan with them. Magically one day they appeared on my credit. They do not have any signed written or documentation to prove that I have ever opened an account with them. I want them off of my credit. This is clearly fraud and they must be in the bed with all XXXX credit bureaus. I am filing this complaint before taking them, as well as the credit bureaus, to my attorney.
Product: Debt collection

Someone did contact my dad at his phone number and asking about me. The phone number of the actor is ( XXXX ) XXXX. When I returned a call to that number someone asked me to confirm last four digit of my social security number and said that I owe {$12000.00} to Bank of America since 2010 and I have to pay {$6000.00} immediately to resolve the issue. Since I never receive any notifications from Bank of America regarding any debt I may have I strongly believe that my personal information involved into an identity theft.
Product: Prepaid card

I am a victim of identity theft. Fraudulent charges wiped the full balance on my card, totaling. {$10.00}, XXXX and I filed a claim with Bank of America on XX/XX/XXXX. To recover my funds. I submitted all requested documents including a FTC and law enforcement report. 
Bank of america did not provisionally credit my account wich is a clear and precise violation of the FTCA of XX/XX/1914, and after 90 days of having no update or information to give me, the claim was denied. I have since filed to reopen the claim, re submitted documents and still no resolution which has caused mental and economical anguish on my life.
Product: Credit reporting or other personal consumer reports

Subject Line : Dispute of Inaccurate Credit Report Information Lack of Verification by Credit Bureaus Complaint Overview : I am filing this complaint regarding inaccurate information on my credit reports. Despite following the proper dispute process, XXXXTransUnion failed to verify the accuracy of the information as required under the Fair Credit Reporting Act ( FCRA ). 



Details of the Issue : Disputed Items : - Account Name # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late payment is incorrect ; it occurred after the loan was assumed by someone else. 

Dispute Steps Taken : On XX/XX/year>, I submitted a dispute to XXXXTransUnion via online portal .

The credit bureau claimed to verify the information but did not provide any evidence or documentation to support its decision.

Why the Information is Disputed : I believe this account information is inaccurate and unverifiable. The credit bureaus failed to provide proof that the information is accurate or properly verified.