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

In XX/XX/XXXX I opened a credit card with XXXX via Comenity Capital Bank. My interest rate was 25.74 % and I had a credit limit of almost {$700.00}. I paid my bill on time every month and had no problems until XX/XX/XXXX when I missed my due date by a few days and was charged a late fee. I made a payment, called to have the late fee reversed ( it was ), and went on paying my bill on time from that moment forward. Around this time period Comenity Capital sent out notices about how to save on interest by paying the full amount due within 25 days of the billing statement and this information was also reflected on the XX/XX/XXXX billing statement. WHAT WAS NOT mentioned was that I would have to pay TWO SEPARATE APR 's of 25.74 % - one applied to my balance for all charges prior to XX/XX/XXXX, and the other applied to the balance of all my charges after XX/XX/XXXX. Given that this was never mentioned in any correspondence I received from Comenity Capital, I did not notice until XXXX of this year that I had been paying two APR 's for the past 12 months. I have contacted Comenity Capital on three occasions ( twice via email and once via telephone call ) to resolve this matter/receive more information about it and twice I was told to consult my billing statement for information - which doesn't explain anything which is why I'm contacted Comenity to begin with, and the third time when I finally called I realized that once again I was going to receive a scripted response so I asked to speak with a Stateside customer service representative ... .I was transferred then hung up on. I want to know why I was being assessed two APR 's and why is Comenity so reticent to clarify this situation?
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. & 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. & & 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFBSs recent administration proceeding ( File No. XXXX ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts I have marked as inaccurate XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$430.00} XXXX XXXX {$480.00} XXXX XXXX XXXX {$510.00} Payment History is not accurate on XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Checking or savings account

I cancelled a merchant account with  First Data  XXXX   XXXX  in  XXXX    XXXX  . I would be happy to scan and send copies of the cancellation letter from my nonprofit organization, the form requested b y First Data cancelli ng service & a bank account showing the amounts charged. Total amount charged monthly from  XXXX   XXXX    XXXX   is {$130.00}.   I calle d First Data  on  XXXX   XXXX  this year to ask for a refund. They asked that I submit paperwork relating to the charges which I did to  XXXX  XXXX  XXXX . They did not respond. I called again on  XXXX   XXXX  and eventually managed to speak to a supervisor,  XXXX . He said he had all the paperwork from me and could see th at First Data had not cancelled the account nor made any refund. He   confirmed it was now cancelled. ( I had already cancelled the account with my bank ). He said I should call back in a couple of weeks. I called this morning -  XXXX  was unavailable. I spoke to another supervisor and after a lengthy conversation she informed me that I had to send the request again to  XXXX  XXXX  XXXX . I asked to speak to someone in that department and was told they only accept emails. I feel sure that  XXXX   XXXX   does n't want to refund the money, so now they are giving me the run-around in order to not make good on what is owed. I do hope y ou can help me as this is a considerable amount of money.
Product: Student loan

Ameritech financial mislead me, basically lied about a program for student forgiveness. During this process I was charged XXXX dollars to enroll and a monthly payment of XXXX dollars a month that didnt go towards paying my student loans off at all. When I realized this I called the company only to get pressured into staying and was told all the money I paid so far was for there fee, not my loan repayment and if I left it would be a wast of money. I did refinance and cancel my loan but I paid over XXXX dollars to Ameritech in mislead and in my eyes fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my credit report : XXXX XXXX/XXXX  Balance $ XXXX-Date Opened : XX/XX/2015 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX needs to be removed from all three of my credit reports. When I call the phone number to try and resove the dispute, the company never has agents available. It does give you the opportunity to pay your bill through the automatic phone system, if you have an 8 digit code ( which I do n't because I was never sent a letter or certified mail regarding this debt ). No humans can be found to take your call. ( XXXX ) XXXX this is the number, I find it hard to believe that the credit reporting agency can verify this debt when I ca n't even speak to a person. This debt is through XXXX XXXX, and it was assigned to my ex in our divorce decree.
Product: Payday loan, title loan, or personal loan

i applied for loan and cancelled loan less than 24 hours. i never reviewed any money or product from transactions. i filed notice of cancellation and refund with company XXXX XXXX and XXXX   XXXX since XXXX they have reported the account late and only updated every month sonce XXXX indicating they are still investigating. they are holding my credit hostage and blocking me from any other credit line opportunity. violation of FCRA If the debt collector has not supplied the demanded proof of the alleged debt within 30 days you may presume, under the doctrine of estoppel by silence, that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
See : Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment to lease and was denied for reasons on my equifax report that i have no knowledge of after reviewing my report online
Product: Vehicle loan or lease

I applied for a vehicle loan through a XXXX XXXX dealership on XX/XX/2023. I was approved funding through XXXX XXXX however, the dealership obviously sent my credit information to several different financial institutions to obtain possible funding. As of today, XX/XX/2023 I have received an adverse action notice from GM Financial that is dated XX/XX/2023. To my knowledge, an adverse action notice is to be presented to the applicant 30 days after the receipt of a completed credit application. This notice was remitted a month and a half later! The letter discloses that I can request the specific reasons for denial by contacting the number within the letter. I tried to contact GM Financial, by the number they provided in the notice, however no one could help me. Their customer service representative demanded that I give my SSN or account number. I was not going to disclose my SSN and I was denied an account. I asked if I could give the reference number mentioned in my letter, and was told that was not sufficient. I then asked to speak with someone about Adverse Action Notices/ Denials and the customer service representative did not understand what I was requesting. The CSR then transferred me to another department, which was dealer services, and that was not a valid department for my issues. I watch my credit closely and do not like when financial institutions do not follow the rules and notify customer that they have denied credit in a timely manner. In this particular case the dealership sent my application to multiple institutions, to which I am only aware of the ones that I obtained an approval from, and the 3 adverse action notices. With receiving such a late notice, I am concerned about the number of times my credit was pulled on XX/XX/2023, which can hinder my score. " Too many inquires in the last 12 months. '' With my concern above, when reaching out to GM Financial, I also wanted to obtain the specific reasons for denial, again the CSR could not help me without me providing my SSN or account number.
Product: Debt collection

I was a cosigner on a lease agreement with my daughter renting an apartment with her roommate. The lease was ended prematurely due to roommate misconduct and the failure of the management to correct the situation. At a certain point, the police were involved. After moving out it was found out that the roommate part needed repair ( she had XXXX big dogs ). Our side was a regular tear and wear. I paid a {$600.00} deposit for a roommate 's next apartment she was moving in after leaving this one. XXXX XXXX XXXX decided that the repair of my roommate 's side was my responsibility. They did not return the initial {$500.00} deposit. I disputed with the management but they quickly sent an additional {$630.00} to the collection agency SentryCredit Inc. This agency failed to provide any proof of my debt and not a single document with my signature to prove my debt. They are trying to contact my daughter XXXX via phone and text. I am communicating with them through regular mail only. 
Regards, XXXX
Product: Debt collection

They called my boss today XX/XX/year> from XXXX They called my boss on XX/XX/year> from XXXX Her name is XXXX XXXX and she works for Property Receivables
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX you are reporting inaccurate information on my consumer report. I have disputed the inaccurate names on my consumer report. The correct spelling of my name is XXXX XXXX XXXX. I have provided my Massachusetts state issued driver license as proof of the correct spelling of my name. I demand that you remove or delete ALL other inaccurate names on my customers report immediately.
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX I FOUND OUT THAT MY BANK ACCOUNT WITH XXXX XXXX WAS COMPROMISED. AS A RESULT, MY BANK ACCOUNT WAS CLOSED WHICH CAUSED PAYMENTS TO BE REJECTED. MY ACCOUNT WITH XXXX XXXX WAS REPORTED LATE, EVEN AFTER A TALKED TO A TFS AGENT ON XX/XX/XXXX AND THEY ASSURED ME THAT NO LATE PAYMENT WOULD BE REPORTED TO THE CREDIT BUREAUS IF I BRING MY ACCOUNT CURRENT, WHICH I DID.
Product: Debt collection

I received a call from century financial. My main concern is that the number they called on was not their number!! it was actually the number of my daughters XXXX office which we paid off 3 years ago when she had her XXXX. I believe they can not falsely identify themselves and they certainly have! I do n't understand how they can call on a number i have saved in my phone, but I think it 's wrong and I do not think they should be allowed to do that! Very disturbing and bad business practice. It wasnt even my debt!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Chapter XXXX Bankruptcy in XXXX, I just received my discharge on XX/XX/XXXX. XXXX XXXX XXXX obtained a default judgment on XX/XX/XXXX, which was included in my bankruptcy. As of today, XX/XX/XXXX, the judgment is still showing an open active balance. I've contacted XXXX XXXX XXXX  to request they update the status to report " discharged with bankruptcy '' or similar text, only to be told, " The judgment doesn't just go away just because my bankruptcy was discharged. '' " The judgment will remain as is for eight years. '' I asked what the status of the account was in their system. They said it is currently in " bankruptcy '' status. I asked what that meant. They said, it's not actively being collected on. I asked if they could send me a letter verifying that information. I was told, " that is not something that they provide. '' XXXX told me, the only way that they would send any update or notice is if I paid the judgment in full.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX ) ; ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit card or prepaid card

A dispute was filed for charges including two XXXX transactions on XX/XX/XXXX,  amounts of XXXX and XXXX. Additional charges from another merchant, XXXX of XXXX XXXX, were resolved directly, without any help from American Express as they denied claim for all charges. Items from XXXX remain unresolved, I've spoken with numerous XXXX reps, was advised to dispute charge with American Express and that they have not received any charge back or thereof from them. It appears American Express had done nothing at all to dispute any of the charges, just flat out denied the claim without investigating. I believe they merely verified billing address with merchant ( s )  and considers that enough to deny claim, which is unfortunate as they will continue to receive complaints until credit is issued. XXXX will not reimburse/refund charges, they refer me back to American Express. As you can see, the two banks have me bouncing back and forth, neither party has provided any proof these charges were authorized, which they were not. XXXX XXXX XXXX replies on behalf of American Express, this person has never shown any evidence whatsoever that XXXX transactions were authorized by myself or that I received anything from the merchant.
Product: Debt collection

This is in response to Fair Collections & Outsourcing regarding complaint # XXXX. Fair Collections & Outsourcing mentioned that the account was placed with their office by creditor XXXX XXXX and that the Creditor retains ownership of the account. Lets secure the account under their Reservation or yours. Due to default, the account is lacking respect to material disclosures for a particular transaction permitted by law. Lets make this a Genuinely Exclusive Dealing to establish conformity to take things further for their or your commercial purposes to secure the account for its Nature thats permitted by Law. The Credit report is reflecting a debt, which is a Misrepresentation of the Amount and Nature of the Account. That amount is Unsecured Credit thats ready to be confirmed. Lets secure the transaction with full performance bringing forth security making this effective satisfying any provisions to meet the terms and conditions for use of the existing account.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had opened a XXXX XXXX XXXX credit card in XX/XX/XXXX and I had missed two payments in XXXX and XX/XX/XXXX. The merchant chose to close my account and I paid the {$900.00} balance in full in XX/XX/XXXX. The information reporting on my XXXX and XXXX credit reports do not match and are not accurate at all. How can this be? This account has been closed for almost 8 years at this point and should not appear on any of my credit reports. 

-The account was paid in full in XX/XX/XXXX, not XX/XX/XXXX as stated on my XXXX and XXXX credit reports. 

-My line of credit was not {$600.00}, it was {$800.00}. 

-My highest balance was not {$410.00}. 

-Status updated can not both be XX/XX/XXXX ( XXXX XXXX and XX/XX/XXXX ( XXXX XXXX. 

I need this account removed from all credit bureaus as it is negatively affecting my ability to obtain new credit. I have addressed this with XXXX  XXXX XXXX and all 3 credit bureaus and no one has resolved this issue for me.
Product: Credit card or prepaid card

According to a Comenity Bank ( XXXX XXXX XXXX XXXX   ) telephone representative, I have been a retail cardholder since XXXX. I do not believe that my credit card has ever had a credit limit over {$500.00}. I do not believe that I have ever use the credit card to its limit amount. The credit card is serviced by Comenity Bank. 

I have been able to access my credit card statements from XX/XX/XXXX to current. As of XX/XX/XXXX, the previous credit card balance was {$450.00}. The XX/XX/XXXX statement reflected a payment of {$82.00}, a fee of {$37.00}, an interest charge of {$9.00}, an available credit amount of {$77.00} and a new balance of {$420.00}. 

As of XX/XX/XXXX, my credit card balance is {$430.00}. Between the billing cycles of XX/XX/XXXX and XX/XX/XXXX, I have charged a total of {$90.00} on the credit card, I have made a total of {$880.00} in payments, I have been charged a total of {$540.00} in fees and {$220.00} in interest. I believe that Comenity Bank has gotten more than the benefit of their bargain and that they are now simply making money off late fees and this is abusive. 

Since XXXX I have paid a total of {$240.00} and will not pay Comenity Bank any more money as they have received more than their fair share for the amount of credit used and services offered. 

I have had periods of unemployment and underemployment over the years and have not used the credit card to excess and I believe that I have paid much more than I have used. 

While I do not think it ethical to pay the current amount of late fees, I tried to mitigate earning more while I address the bill however the company insists on continuing to charge late fees even if the account is closed. This is abusive and unconscionable.
Product: Checking or savings account

I had a chime account that I used regularly after I deposited my money they closed my account with more than XXXX XXXX dollars in with no reasoning as to why. Now they are refusing to issue a refund for the money left in the account without reason.
Product: Credit reporting or other personal consumer reports

Upstart Network Inc. acct # XXXX opened XX/XX/XXXX {$3200.00} -account was included in a XXXX  XXXX Bankruptcy, which was Dismissed XX/XX/XXXX. Upstart reported as a Charge-off without sending a 1099-C. I would like a copy of my 1099-C.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I purchased a car from XXXX XXXX. I authorized them to ran my credit report. Loan was issued by XXXX who again ran a 2nd credit check which I did not authorize nor was is it needed resulting on a 2nd hard inquiry lowering my credit score. 

Please resolve this. I have spoken with Equifax to no avail. My credit score is extremely important to me. I have never had a drop of over XXXX pts and now I'm XXXX pts below due to the double inquiry in addition to a fraudulent inquiry made wit XXXX XXXX. 
Thank you.
Product: Vehicle loan or lease

We applied thru Chrysler Capital and was pre-approved. When the dealer sent the deal in instead of getting us 0 % Chrysler came back at 12.8 % Tier 4. Upon Reviewing my credit report, we found a recent account 30 day late inaccurately reporting We notified XXXX, who removed the account. The Score models jumped up to XXXX ( the lowest to the highest of XXXX. On the Chrysler website it is advertising you need a XXXX. I was a victim of fraud, had accounts opened my name ( all were removed on XXXX and XXXX, XXXX  is showing one account left scheduled to come off in 18 days but is a small account showing 1x30 revolving card. So, there is no reason I should not get a 0 % interest rate. Upon relaying this info to Chrysler, they refused to repull my credit and rescore. Under the FCRA, If a credit furnisher finds an error, they must remove it. XXXX  did just that. Also, under the FCRA, the creditor must re evaluate the borrower creditworthiness based on the new changes. This is where Chrysler is Violating the FCRA and I am sure I am not the only Victim. This is a prime example of a Major Corporation taking advantage of its customers during a crisis.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I purchased a {$500.00} VISA gift card from a king soopers. When I went to register the gift card online, I was unable to because somehow the information had been stolen and the {$500.00} withdrawn in a state thousands of miles from where I live and purchased the card. I called Visa, submitted a fraud complaint, gave them all the necessary card information, and they sent a letter in the mail from their prepaid dispute section saying that they believe an error occurred, credit in the amount of {$500.00} was posted to my account, and I should receive a new card within in 7-10 business days. That was XX/XX/XXXX. Now, 3 months later, no card, no refund. Ive called them since and theyve been unable to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$220.00}