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

In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under the 15 U.S.C 1681. 15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : IT also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 U.S.C 6827 ( 3 ) The term document means any information in any form. I demand this company Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes Transunion, XXXX, and XXXX. The Provisions of 15 U.S.C 1601 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advise that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in contract/agreement giving that option to share my nonpublic information. 15 U.S.C 6802 ( B ) 1b the consumer is given the opportunity, before the time that that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 U.S.C 6802 ( B ) 1c the consumer is given an explanation of how the consumer ca exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., Transunion, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I, with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter.
Product: Credit card or prepaid card

This problem is with the credit card for the store XXXX  with comenity bank. In XX/XX/2022 I made my last payment for the amount that I owed which was {$100.00}. In this charge was including a late fee for the previous month. The payment was supposed to be made on XX/XX/XXXX ( because of inconsistencies with the bank and changes that they made, and I was never told, in which they told me that the payment was supposed to be made before XXXX and then XXXX and now XXXX ) The payment went through on the XXXX, and I was charged another late fee. For reasons that I was never told and because I never authorized as paperless statement, I never received a bill or email where I was told I had a debt with them. A couple of days I started to receive calls from the bank where when I responded, they hung up until I got through and they told me I owed them {$160.00}. All of this debt is because of late fees and interest. I called to try and solve this problem because I can not pay that total of late fees because of my economic situation. I would be ok with paying XXXX month 's worth of late fees, which I believe I should not have to pay since I already payed it when I payed the original debt. But I tried to come to an agreement with them, but they did not agree to that, which I believe is wrong because I believe that they are taking advantage of me because of my situation. From my understanding, late fees are only charged once and then interest fees are charged, not every month a late fee. I have reached out to you guys because I have already had problems with this bank because of extra charges and they are very difficult to come to an agreement with. I have reached out to you guys to see if we can come to an agreement as I am tired of paying late fees and interest because of irregularities with them. Thank you and have a great day!
Product: Credit card or prepaid card

My first statement balance was due for last month with BANK OF AMERICA ALLEGIANT CREDT CARD. Im a new card holder. I did not receive my first statement. I have an excellent credit score and I pay my bills on time and the statement balance to avoid interest charges. I realized it was probably time to pay two days after the fact but because its my first statement I had no way of knowing when. I paid my statement balance but of course got hit with a {$29.00} late fee and {$12.00} interest. To me this is probably what they do to all new customers. Its clear with their refusal to refund the fees being Im a new customer. I feel this probably makes the company a lot of money! Total scam! They said they would do an investigation. Whats is there to investigate? I didnt get it and they will say they sent it. Horrible customer care! I will not be swindled by a company no matter the amount! I want a credit in the amount of {$41.00}!!
Product: Debt collection

I have been receiving phone calls everyday from different phone numbers or private numbers for Comenity Bank for an ULTA credit card debt. I have asked to stop calling during work hours. The phone calls got more aggressive after XX/XX/2023. I had to empty my voicemail box frequently They will call as early as XXXX to as late as XXXX at night. They've been leaving voicemails to the point where it would make my voicemail box full every 7 days. I've really heavily on my phone as I am oncall for a hospital and I've missed several important phone calls for shifts due to harassments from Comenity Bank. They even called my husband phone number XXXX to communicate with me back in XX/XX/2023. The following images uploaded starts from XX/XX/2023 and dates back XX/XX/2023 consecutively for more than 7 days calling everyday multiple times under differently numbers or private numbers. The rest of the images are voicemails they have left recently. Unfortunately I had to delete a lot of the voicemails due to my mailbox being full and I uploaded text message dating back to XX/XX/2023. I do have a call list for the month of XX/XX/2023 where they called me everyday various hours, I'll be more than happy to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

ATM withdrawals while card in my possession and we're not made by myself and not permitted by myself for anyone else to do. Information other than what was told to me by phone representatives or found on website is unknown. 
Date : XX/XX/2021 Address : XXXX XXXX XXXX XXXX XXXX, Nevada ( 3 ATM withdrawals ) in the amount of {$280.00}, {$300.00} and third withdrawal {$400.00}. 

Date : XX/XX/2021 Address : XXXX XXXX XXXX XXXX XXXX XXXX, Nevada ( 1 ATM withdrawal ) in the amount of {$300.00}. 

Reported to the phone # on back of card and had card # changed. Case # XXXX and case # XXXX. I have been told that this dispute has been denied and that a letter had been sent to my email. I have not received any written correspondence and continue to call to ask why it was denied as it was reported on XX/XX/2021 when I first found out as I knew I had worked and gotten paid yet transactions were being denied for insufficient funds come to find out this was why. I spoke to customer service rep " XXXX '' employee # XXXX today to infact confirm that I understand correctly what I'm reporting in this complaint is accurate. He still is unable to say why and once more, AGAIN, he will request the denial letter be sent via email to me. I confirmed that they have correct email and mailing address but he said it. Can only be sent via email. I have not gotten anywhere with this. I have not gotten my money back etc. I've made a police report even though upon my first call to this regions bank I was told by regions bank the police report doesn't help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX Alleged and improperly leveraged my credit with a fraudulent account in the amount of XXXX $ XXXX XXXX On XX/XX/XXXX Alleged and improperly leveraged my credit with a fraudulent account in the amount of XXXX $ XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Alleged and improperly leveraged my credit with a fraudulent account in the amount of XXXX $ XXXX regret to inform you that these agency 's along with the XXXX major credit reporting agencys have improperly leveraged my credit report, and according to the fair credit reporting act, I noticed accounts, inquiries and private information on the report you are furnishing, I also noticed the inaccuracies and can't say they are accurate or legitimate I demand verification of the information on the report as true and correct the f.c.r.a 15 u.s.c-1681 ( e ) ( b ) states your responsibilities and the consumers right and the credit reporting reporting agency ( you ) have to report with maximum accuracy to credit reports also how is it that your reporting income into my report, the above citation in clear language under " exclusions '' says you can't lawfully omit these things.15 use 1681 ( a ) ( 2 ) ( 1 ) of the f.c.r.a says that " transactions '' and/or " experiences '' between the consumer and the person furnishing is not to be included in a consumer report so any transactions or experiences ( late payments ) are not to be parked on my report if you are prohibited from including transactions and/or experiences which in clear clauses ; its illegal therefore i demand you delete all inaccurate and unauthorized items inaccurately parked on my credit, in federal statues 15 usc1666 ( b ) there are procedures that require notices be sent 21 days or less before the due dates, before!! You can validate the debt an lawfully proceed, with proof that you've done diligence like time stamped copies that is a formal cease and desist demanding you stop and reverse the unlawfully ramification bestowed upon me by your actions, and delete these transactions and experiences ( late payments, lines of credit, utilizations an inquiries )
Product: Credit card

For two months, Capital One has not properly processed my automatic payments for my XXXX XXXX Account ending XXXX. I was charged XXXX for each late fee. Capital One waived the XXXX late fee because I had never been late on the account. I checked on my auto pay on XX/XX/XXXX and it was on. I received notification from Capital One today stating I was charged a late fee for XX/XX/XXXX. However, my auto pay was on and Capital One claimed I cancelled the payment on XX/XX/XXXX. I did not. I did not receive any notification that my XX/XX/XXXX payment was cancelled. Capital One claimed I received an email on XX/XX/XXXX informing me of the cancellation. I did not receive an email from Capital One nor text on XX/XX/XXXX. I enrolled in auto pay over 7 years. I have three accounts with Capital One but the XXXX XXXX account is the only account that I am having problems with the payment processing. After speaking to a supervisor, Capital One refused to waive the late fee for XX/XX/XXXX. I believe Capital One is intentionally not processing auto payments to unlawfully charge late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the XXXX Data Breech and my personal information was compromised. 
There were two accounts reported on my credit report - one from XXXX XXXX and the other from XXXX XXXX that were opened as a result of identity theft. I had notified both companies and sent them police report and FTC Fraud report number and asked them to delete the information. They have not. 

I contacted all three credit reporting agencies - XXXX XXXX   and Transunion and provided them the police report details as well as the FTC report. They have not deleted those off my credit report as of now. I filed the identity theft report with the credit bureaus in XXXX towards the end. 30 days have passed and XXXX is saying that the debt can not be removed because it is valid. Of course, it would appear to be valid if my identity was compromised. I did not open those two accounts. The Federal Trade Commission has advised me to file a complaint with the FCFB. As of this moment, I have heard from XXXX but have not heard from Transunion and XXXX.
Product: Debt collection

Ability Recovery Services opened a collections accounts on XX/XX/2022 of which I was never notified in writing, and I have yet to receive a debt validation and verification letter. I have no knowledge of this account and it has had a severe adverse effect on my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain inquiries listed on my credit report that I believe are fraud the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite providing concrete evidence of multiple discrepancies and inquiries on my credit report, my repeated attempts to seek resolution from Equifax, XXXX, and XXXX have been met with deafening silence. In a world where XXXX XXXX is XXXX, the need for the Consumer Financial Protection Bureau 's intervention has never been more evident. The discrepancies has impacted my financial standing, borrowing capabilities, and overall peace of mind significantly. I had hoped that presenting them with indisputable proof of these errors would swiftly lead to their correction.
Product: Student loan

I had received what I believed to be a generic, private loan from XXXX XXXX to complete my XXXX XXXX XXXX degree at XXXX XXXX XXXX XXXX in XXXX XXXX, California. Since then I have gone through many life changes and had struggled with my health and attempting to move forward with my career. After failing to sustain a living with my health interfering in living a productive life, I decided to apply for XXXX with the federal loan program XXXX. Once I received a federal XXXX approval, I proceeded to apply for the same request with my XXXX private loans : XXXX XXXX and Navient ( who had purchased my loan from XXXX XXXX ). XXXX XXXX approved my request, while Navient forwarded the request to a company called XXXX for review. Despite the federal approval and re-confirmation of my doctor certifying me as XXXX, Navient dragged on the process of reviewing my application. After 8 months of back and forth and following their request for notes and answered questions, I received a letter which can only be assumed as a denial of my XXXX request. There was no instructions on how to proceed, and no clarification of what they were basing their statements on. Their statements also contradicted themselves and made little sense. Navient and XXXX are sending me with inconsistent information from one to the other. They are being completely unreasonable on the standard for discharge and the delays throughout the review, during which interest has continued to inflate. I ca n't work enough to support myself and they are not being compassionate or realistic about my ability to use the degree that I borrowed the money for. I have a difficult time with my XXXX and I am scared to argue the points alone. I have found some legal help through the county services, but there seems to be little hope in this uphill battle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report.
Product: Credit card

I am the primary on this card, I added my boyfriend as an auth user. We travel together. Sometimes he books and plans the trips, sometimes, I book and plan the trips. But we use the same card/account to earn the rewards. We both downloaded the app to better serve our booking needs. I noticed in XXXX that not only were we missing rewards points and credit for nights stayed in a hotel, but also, my total points and his were different. So I called on XX/XX/XXXX and spoke with someone about this. I provided confirmation numbers and dates for hotels that were missing. One hotel named, XXXX, is still in the transitioning phase, so she assured me that the rewards would be added once the hotel has completely switched over. After that call, I waited. On XX/XX/XXXX I opened a chat box with the card reward center to ask about the difference of reward points on his app versus mine and also about the XXXX stays. He again asked for all the confirmations etc, so I sent them again. He then explained that even though we have one account, and one bill, that we have separate rewards. So anything that he books or slides his card for, goes to a reward account under him, and the same for me. I explained to the gentleman that is not good practice, and its only one account, so the points earned and nights stayed should be merged. He said its impossible. So i ended the chat, and decided to call and speak to a live person. I then called in and spoke with a woman, went over everything again, she said the same, and said i should only use one of our cards moving forward, and that i can transfer his rewards to my account for a fee, but any credit for " nights stayed '' would be lost. After 20 nights stayed, you get a status upgrade. This is not acceptable, as its ONE account, anything we earn should accumulate together.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year>, I've experienced ongoing issues with Experian. For half of the past four years, I've struggled to remove fraudulent accounts. One moment I have a credit score, the next I don't. I felt forced to use their XXXX XXXX XXXX, which temporarily provided a score, but today, it's gone again. Whenever I request a supervisor or manager, they're unavailable and never return calls. I'm fed up with the excuses and run around. They advised removing the Boost and reapplying it, yet my score remains absentit was XXXX just two days ago.

I refuse to be caught off guard by an unexpected zero score and the rejections that follow. Moreover, I'm frustrated with Experian sharing my information with telemarketers and student loan companies despite my opt-out.

Now, facing another year 's delay in addressing my housing situation, I hold Experian accountable for the {$47000.00} loss I've suffered. For four consecutive years, I've been negatively impacted by Experian 's failures, living with mold, a leaky roof, unsafe flooring, and now the potential loss of my property.

I believe Experian is committing serious ADA violations, in addition to disappearing acts with my credit score.

The ordeal began with inaccurate credit reporting, followed by fraudulent activity and the addition of unfamiliar names, compelling me to declare bankruptcy to halt the identity theft Experian continuously overlooked. 

I am weary of being told that purchasing their product is the solution to these issues and will not be forced to buy a product just to fix their failures. 

I will not wait 30 days for a response to this before filing legal action. I want Experian to deal with this issue directly without further delay, unless of course, they want to pay for the damages and take their sweet time fixing their problems once and for all. ANY Score less than what I had two days ago is UNACCEPTABLE!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I notified the credit bureaus that there are some account reporting on my credit report that were the result of someone using my information to open up accounts. The credit bureau 's have removed some fraudulent accounts from my credit report however when I pulled a new credit report and I noticed that the accounts re-appeared. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the items back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX  and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague and so they can complete an investigation which may unfortunately lead to an arrest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts and Inquiries appearing on Credit Report. 


Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 15 U.S. Code 1666b I recently reviewed with my credit report and noticed an account that was not reported accurately I had one late payment on an account that I was in fact paid on time but consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments. I've attached my credit report to this complaint on these dates XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. I'm now requesting you investigate these accounts and update these late payments to be paid on time immediately thank you for your understanding and prompt action.