23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My name is XXXX XXXX. My account number with Comenity/Childrens Place ends in XXXX. I am filing a complaint against Comenity/ The Childrens Place credit card company for unfair lending and credit practices. I had not realized I was primarily paying Late fees, interest charges, and insurance on this account. I am in the process of getting the fraudulent Account Assure that was placed on my account without my approval credited back. On, Friday, XX/XX/2023, I talked with a supervisor named XXXX. She stated that she was a supervisor of the Sr. Account Specialists. I explained how it is unfair that I have been paying nothing but, Late fees, interest, and insurance charges. I asked if there was a way they could refund some of these fees and she said no. I am contacting the Consumer Financial Protection Bureau in hopes that Comenity will help rectify this serious injustice. I think it is only fair that they credit these fees to clear my account to a XXXX balance. I have attached a copy of the transaction supporting my statements. Thanks in advance for your help!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my cousin in XXXX transferred {$5000.00} from her account onto mine in the US at XXXX XXXX. On XX/XX/XXXX she received notice that the transaction was rejected with no further explanation. Those {$5000.00} turned out {$4800.00}, the voucher showed that Bank of America located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, was the correspondent in this transaction. On XX/XX/XXXX I emailed the bank 's customer service requesting an explanation of those {$130.00} charge for this failed operation. The next day they replied to me saying to call customer service to discuss the issue, which I asked them to first give me a written explanation of those charges and to provide me the name of the person to discuss this matter. Since then, I haven't received any communication back from them. 
During the time the transaction was in process, I got no correspondence or phone call from the bank to let me know that there was an issue with the operation. I am a regular citizen who is not familiar with international transactions, I would have done everything in my power to make this operation successful, had I've known the problem in advance. This charge is completely unfair, outrageous and a deceptive business practice from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are the pics for compliant : CFPB # XXXX XXXX XXXX XXXX XXXX XXXXXXXX I forgot to attach the pics.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i filed disputes with all 3 credit bureaus. I have yet to received a reply from any of them. Its has now been over 50 days and i feel that more then enough time to reply to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX I was sold by a company called XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. ) They told me that they could redo my XXXX taxes of which I owed approximately {$50000.00} and make it at least twice as much less then the charge they would be charging me for the service. Also, they said they would include my XXXX taxes and would also beat my estimated due of which I told them it was also approx. {$50000.00}. After hearing from them that they guaranteed to save me at least double what I was paying I let them charge my Wells Fargo ATM card. They told me they would have my redo done by XX/XX/XXXX and my new XXXX return by XX/XX/XXXX. XX/XX/XXXX came and went with XXXX XXXX about my redo being done. So, I called them and after many attempts I finally received a call back and she told me they would look into it and get back to me. They called me back a few weeks later and said my redo from XXXX could not save me any money so they were not going to submit a new XXXX redo to me. But, she said they would have my XXXX return done in a few weeks. I explained that I had paid for the redo and the new XXXX returns. She said they would work something out with me but to wait till the XXXX return was done. a few weeks later the XXXX return was emailed to me. when I looked at it it showed I owed approx. {$51000.00}. More then what XXXX XXXX  had already told me it would be. I told them this was unacceptable and they were committing fraud. She then tells me they would do my XXXX taxes for me and do their best to make it as low as possible. I said NO! I want a complete refund since they did not give me what I was promised and I would not do business with fraudsters. She said she might be able to get some of my payment credited back but not all. I said that I would tell my bank and have the amount chargedback. Wells Fargo XXXX XXXX Assistance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX # XXXX. ) said they would submit a claim. After many questions they sent a chargeback to the company. After many months Wells Fargo says I had agreed to the purchase and case was over. I wrote them back letting them know I never disputed making the purchase. I was disputing that I was ripped off and not received what they had agreed to give me. Wells Fargo has since charged my account the {$3200.00}. I was scammed and duped into paying this company for something they could not do and know I am entitled to a XXXX XXXX. Please HELP!! 
Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

REMOVE FRAUDULENT UNAUTHRIZED ITEMS. 

UNAUTHORIZED FRAUDULENT DEROGATORY MARKS/COLLECTIONS TRANSUNION : XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZED FRAUDULENT INQUIRIES XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE ACCOUNTS THAT DON'T BELONG TO ME I AM INCLUDING A LETTER OF EXPLANATION
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX  XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX these addresses are undeliverable by the US Postal Service AND SHOULD BE DELETED/REMOVED IMMEDIATLEY to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Credit reporting or other personal consumer reports

I hereby certify that the preceding statement is truthful and accurate to the best of my knowledge, under penalty of perjury ( as defined by US law, if executed outside of the US ). Furthermore, I certify that I am permitted to submit this disagreement under both federal and state law. I understand that intentional deception or omission of material information is punished as a federal crime under 18 U.S.C. 1001 and as a felony under 18 U.S.C. 1621 for perjury. My credit report contains collection entries that have nothing to do with transactions I started. Financial institutions are prohibited from disclosing information to third parties under 15 USC 6802 ( 1 ) ( a ) ( b ) ( c ) unless I get written approval. There is a violation here! Private information was disclosed by the original creditor, which led to the opening of illegitimate accounts. The Federal Trade Commission is currently looking into these issues. In the event that this account is not promptly removed from all three of my credit reports, I will take legal action against your organization for allegedly providing incorrect information on my credit report.
Product: Credit reporting or other personal consumer reports

.My name is XXXX XXXX XXXX XXXX i have 2 credit card accounts that's hurting my consumer report XXXX XXXX XXXX XXXX XXXX XXXX that i paid on time and shouldn't be reporting late or closed as a late account that's a violation of 15 U.S. Code 1666b - Timng of payment i have a car loan that is reporting that's not mines ( XXXX XXXX XXXX XXXX and the account is not related to me the financial institution violated as well as the consumer reporting agencies 15 U.S. Code 6802 - obligations with respect to disclosures of personal Information, they also broken 15 U.S. Code 1681b - Permissible purposes i never signed no documents stating this inaccurate information can be reported i never not disclosing letters. I have the right to Sue and take legal actions for defamation of character, but i did file my FTC report and the law 15 U.S. Code 1681c-2 - blockage of information by filing my FTC report within 4 days the information on the credit cards should be deleted off my consumer report or updated as paid both credit cards XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX on time 100 % or delete them both off my consumer report. The law states 15 U.S. Code 6805 Enforcement - that the CFPB is required and Authorize to make them uphold the law and remove the negative items that is not mines & reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my account has been diligently neglected by XXXX Credit Bureaus. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, XXXX Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Was divorced in XX/XX/2018, in which the exhusband was awarded the truck loan and I was not to be held financially accountable any longer. He allowed this loan to default and it has appeared on my credit report. I have attached the divorce decree which provides the court proof of this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information, which I have listed as the XXXX items in addition to a copy of My Identity Theft report, Consumer Financial Protection Bureau report ( s ), and evidence to improve my situation, I request that these items be removed : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

This debt has been placed on my credit report multiple times, this is incorrect and needs to be removed as it is preventing me from buying a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

So as I stated in my previous complaint these fraudulent student loans are reporting late payments mind you they are fraudulent. Experience has recede my police report I still have the police report number which is XXXX with the XXXX police dept in XXXX, ny XXXX phone XXXX XXXX. I lost my ID and a multiple years ago I never thought to make a police report until I'm trying to get my 1st home in I noticed that there were student loans which were deemed fraudulent. I have been trying to resolve this matter for over 4 months XXXX has been compliant in the removed every account from my credit report XXXX & Transunion are the only fools who are non compliant as of right now. Please I'm begging you. HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$410.00} ; XXXX SELF-REPORTED XXXX Balance Owed : {$61.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} ; XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7800.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} 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 XXXX XXXX XXXX XXXX
Product: Student loan

Navient is my student loan servicer and I enrolled in the income driven repayment plan. My initial payment was {$93.00} which was super manageable. I enrolled in auto pay so that I would not miss any payments. I was advised by customer that my plan could be reevaluated and/or I could select another option for repayment as needed annually. The customer service rep said Navient works with every budget so borrowers do not default or end up with unmanageable payments. In XXXX, I earned more than I did in XXXX and my payment is scheduled to jump from {$93.00} to almost {$600.00}. I did receive a raise, but that income also reflects repaid expenses for regular business travel, etc. Also reflected in that income is a massive vacation payout for hours that would not roll over into XXXX. Total income for XXXX isn't an accurate picture of my salary. Also, I only received this notification of the new payment on the Navient online system which could easily have been overlooked. I think it was designed to be overlooked, in fact. I immediately opted out of auto pay and ONLY then did I receive an email from Navient letting me know they were reviewing my request and would let me know if opting out of auto pay would be approved. I immediately called customer service and was told that my only option was forbearance so I applied. I was told that this would help me be approved for opting out of auto pay so that my account was not likely to be drafted. I was shocked. I removed all banking information from my Navient account but I do not trust that they will not deduct the new payment amount on XX/XX/XXXX. When I tried to explain my finances to the rep, she suggested that I claim a dependent to bring down my payment. I told her I don't have any dependents and she then said the lowest amount she could reduce my payment to would be {$360.00}. I said where did that arbitrary amount come from and she couldn't answer me. I told her that I had calculated that the payment would be closer to {$150.00} or {$200.00} which would still be manageable. I asked about all the options I was told I would have originally and she had no answer. I can not afford the two options she offered and need help to either restore what I was paying previously or a payment that is not more than {$200.00}. That is the max I can do! I also do not want to be in forced forbearance because Navient isn't giving me any workable options for repayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint in response to the current evaluation presented by the Credit Rerporting Agencies. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed XXXX {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Chacon Autos LTD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Communication Regarding Alleged Debt Dear Chacon Autos, This letter serves as my formal request that you cease and desist all communication with me regarding the alleged debt referenced in your previous correspondence. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop contacting me regarding this matter.

Please be advised that I dispute the validity of this alleged debt. If you claim that I owe this debt, I request that you provide written verification, including all relevant details such as the original creditors name, account number, and itemized statements that substantiate the amount claimed.

From this date forward, you and your agency are prohibited from contacting me via phone, mail, email, or any other form of communication regarding this debt, except for the purposes allowed under the FDCPA, such as confirming that you will cease collection efforts or providing any legal action notification if applicable.

Failure to comply with this request may result in legal action being taken against your agency for violating my rights under the FDCPA. I expect your immediate compliance and appreciate your cooperation in this matter. 

Sincerely, XXXX XXXX