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

On XX/XX/2021, I called Comenity Bank ( XXXX XXXX ) to pay my card off. I had received late fees in the past and wanted to get this card taken care of. I spoke with the Customer Service Representative and informed him that I will pay the balance in full as long as there was no late fees or penalties assessed. At the end of the conversation and prior to me providing payment. The CSR asserted that I will not have to pay the fee associated with paying over the phone, any late fees, penalties, or interest. In the beginning of XXXX of 2021, I received a statement stating that I had a balance due on XX/XX/2021. I was assessed {$35.00} for the late fee that I was told I would not have if I paid my balance in full. I was also given an interest fee of {$9.00} for a total of {$44.00} ( subject to late fees ) if I don't pay it on time. Comenity Bank ( XXXX XXXX ) is taking advantage of consumers who are unemployed due to COVID restrictions and just trying to stay afloat. Comenity Bank ( XXXX XXXX ) is engaging in unfair practices against consumers.
Product: Debt collection

This matter concerns " XXXX XXXX '' and " Diversified Consultants, Inc. '' XX/XX/XXXX, I terminated my cellphone contract with XXXX XXXX XXXX and switched over to XXXX. I carried out the process at a local XXXX store, under the guidance of an inept XXXX representative who did not complete the " contract buy out '' process correctly, and misrepresented that any remaining balance would be taken care of, as well. This resulted in my owing substantial fee 's relating unsatisfied cellphone financing. 

The problem is that XXXX XXXX XXXX never reached out to me during the last ten months to inform me that I owed them money. They did not use any medium, whatsoever - neither telephone, text message, email, nor physical mail. Nothing. By chance, I decided to check my credit report because I am in the process of seeking a new apartment. Suddenly, there was a derogatory mark showing {$850.00} in collections, posted by Diversified Consultants, Inc., originating from XXXX XXXX XXXX. I called XXXX XXXX XXXX to find out about the source of this debt, as I was totally clueless. XXXX XXXX XXXX informed me that it related to the phone financing balance when I terminated my relationship. They also informed me that the account was transferred to Diversified in XXXX XXXX. I was receiving calls from a mysterious number, but whenever I answered the phone and said " hello '' multiple times - at least 6 or 7 times - no one was on the other end of the line. Therefore, I assumed that it was either a scam caller, a sales call, some sort of political canvasser, or maybe an ex-boyfriend. I honestly had no reason to know that I owed money to anyone, and due to this company 's bizarre delay in coming onto the line, I was still unable to recognize that I owed AT & T anything. 

I corresponded with the XXXX Contract Buy Out Department and they agreed to send me XXXX cards to pay the financing charges, despite the lapse in time. The headache is that Diversified told me that they will only mark the account as satisfied and will not remove the notation. XXXX XXXX XXXX also has a laissez-faire attitude about screwing up my credit. I previously had a XXXX credit score, and because of the incompetence of these totally irresponsible and unprofessional institutions, I have to bear the brunt. This is absolutely disgusting. I work so hard at being a financially responsible millennial, and the odds are, apparently, stacked against me. I can do everything right, pay everyone on time, pay them more than the minimum, and a big institution can just randomly take a dump on my reputation. Now when I apply to apartments, my candidacy will be compromised by the negligence of others. I have no problem with being held accountable for my own choices, but it is so appalling that I should be penalized over the mistake and oversight of others. 

In conclusion, I would like to know if there is anyway that I can have this notation EXPUNGED from my report after I receive my XXXX cards ( in 15 days ) and satisfy the balance. 

Thank you.
Product: Debt collection

I received a call on XXXX. The voice-mail did not provide any details. It just stated that no contact and the case was being escalated. I called the number provided XXXX. The first gentleman was pleasant. Provided conflicting information and our call was disconnected before I could obtain more details. I researched my credit reports and couldn't find anything resembling the account mentioned. I called back and the second man was abusive and rude. Every time I attempted to ask a question about the account, he would interrupt me saying " ma'am this is a debt you owe ''. I attempted again to ask a question and he continued to speak over me. He ended the call by saying " this will proceed to judgment '' and hung up on me. I was trying to explain to him that I didn't recognize the debt. The address they initially referenced was an address that I haven't lived at for over 17 years. None of what they were saying made sense and thus why I was attempting to ask questions. I'm currently enrolled with XXXX for debt relief. Even their reports showed nothing about the alleged account. They claimed they've sent multiple letters to both my current address and the old address. I have received ZERO letters. This is extremely stressful, I have XXXX XXXX and I can literally feel my symptoms beginning to flare.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX Missed LATE Payments last reported {$960.00} XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX late payments last reported {$590.00} XX/XX/20XXXX XXXX XXXX XXXX XXXX Missed late payments last reported XX/XX/2022, and XXXXXXXX XXXX XXXX XXXX Missed late payment last reported XX/XX/2022, XXXX XXXX XXXX XXXX XXXX Missed late payments last reported XX/XX/2022. XXXX XXXX XXXX XXXX {$8900.00} XXXX owe them that's in collections they are not the original creditors. 

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 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 XXXX 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. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.
Product: Credit card

I 've been a customer for 2 years with the company, never had a complaint until today. I just finished talking with the executive office because an inquiry that I did this weekend about a credit card application that I submitted last week. That application was denied, and I call just to know why. I do work in banking as well, and I do care about my credit, because since I 'm not a millionaire I depend on it for anything. I 'm currently working and XXXX both since I need to progress myself. 

Well, the main reason I 'm writing to you today is because I think there is something that Discover should consider in changing or adjusting or do something. When I was doing my application on the second tab ( please see attachment ) It says clearly that if you work and study, 'you select student '. That was basically the key to the point in this complaint. As per your company ' policies students are only allowed to have XXXX account, and nonstudents XXXX, but going back when you apply and you 're doing both you must choose 'Student '. 

Basically, what I did was a waste of my time and a hole on my credit bureau, because the policies of Discover discriminate students. And plus that, I 'm not only a XXXX, I 'm doing both, which should be considered all the way around. I have called several times to the executive office, they just do not care, and there is no way to go futher and let the real executives the dedication of this problem. 

Well, my humble advice, a bank which a lot of his customer base are students, should not treat students so lightly, so XXXX, explain better in the application tab ( if doing both, instead of choosing 'student ', chose 'working ' ).
Product: Debt collection

I've sent multiple dispute notices in good-faith instructing ABSOLUTE RESOLUTIONS INVESTMENTS to remove the inaccurate information being furnished on my consumer report ( XXXX ) and shared to thirdparties without my consent, which have been ignored.On XX/XX/XXXX, PRESSLER FELT AND WARSHAW sent me a pile of statements received from the alleged creditor as proof that I owe your Company a debt but a copy of the consumer credit contract and/or bill is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account as per XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This notice is to inform you that the information being furnished on my consumer report is a result of identity theft. Any collection attempts against me without properly validating the alleged debt ( XXXX ) constitutes as harassment and defamation of character creating a false public record by use of mails and wire communications, with intent to to obstruct lawfully communicated information, and are subject to to liability for damages, as well as statutory damages, including any and all legal costs, or fees incurred for each violation. 

Please see attachment ( XXXX ) for further details.
Product: Debt collection

This account was sent to collection without my knowledge and do n't even have any idea of the company name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft when my wallet was stolen from my vehicle including my social security card, ID, and other personal item, then later used to open fraudulent credit card, personal, and auto loan accounts in my name. On XX/XX/XXXX, I reviewed my XXXX credit reports and found items which I did not open and that did not belong to me. I realized that I was the victim of identity theft and proceeded to file an Identity Theft Report with the FTC, as well as contact Experian notifying them of the Identity Theft, and that they were holding inaccurate data on my report in the form of the fraudulent accounts, and fraudulent inquiries. Experian has not responded to my letter, or FTC Identity Theft Report as of yet which was sent certified mail, nor have they removed the inaccurate items. I am including both the FTC Identity Theft Report that I filed as well as the letter that I sent to them detailing the Identity Theft and accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Why has your bureau not taken immediate action to delete the fraudulent accounts as soon as an identity theft complaint was filed? HOW CAN YOU JUSTIFY CONTINUING TO REPORT ACCOUNTS THAT HAVE BEEN IDENTIFIED AS FRAUDULENT BY OTHER CREDIT BUREAUS AND ACKNOWLEDGED AS SUCH IN MY IDENTITY THEFT COMPLAINT? DO YOU COMPREHEND THE SEVERITY OF THE CONSEQUENCES I AM FACING DUE TO YOUR NEGLIGENCE IN RESOLVING THIS MATTER PROMPTLY? I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. Despite the gravity of the situation, the accounts in question persist on my credit report, undermining my financial standing and causing irreparable damage. 
XXXX XXXX XXXX XXXX XXXXXXXX PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!!! 
I demand the immediate deletion of the fraudulent accounts from my credit report. Your failure to address this matter expeditiously constitutes a blatant violation of the FCRA and an infringement on my rights as a consumer. I insist on a written confirmation of the removal of these accounts within the shortest possible time frame
Product: Credit card or prepaid card

The response from Citi Cards has cleared up a lot confusion, however, I was never notified by Citi Cards that my XXXX payment was behind. My XXXX payment was around the same time that I entered the payment program and my payment slipped through the cracks, which was my responsibility. I was going through a separation at the time and my mind was in other places. Furthermore, if Citi Cards would have alerted me to my missed payment then I would have rectified the matter immediately. Instead, Citi Cards made it appear that I was making my payments and did not make any reasonable efforts to notify me that I was behind. Citi Cards could have communicated a lot better and shown better business practices. I made a human error and fell behind, but with a little help from Citi Cards, I could have made things right. I still do not feel my situation was treated fairly and will be contacted my Attorney Generals office, to look into any ethical violations on behalf of Citi Cards.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. Here is my tracking number:XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation.
Product: Payday loan, title loan, personal loan, or advance loan

We have a contract for 300 payments at XXXX per month done with auto pay for our solar loan and are informed by Goodleap that the truth in lending letter was provided. The letter details 300 payments but does not provide information showing the loan of {$40000.00} at 1.99 % interest has been fulfilled at the end of 300 payments. My wife and I are XXXX and XXXX XXXX XXXX. Our multiple contacts over the phone to Goodleap have resulted in evasive answers to our requests for payoff information over entire the course of the loan. To this date ( since loan inception on XX/XX/XXXX ) we have never been provided with a billing statement showing billing credits and loan balance. Our concern is that at the end of the 300 payments we could still owe a significant amount of money. Both Goodleap representatives contacted on both XX/XX/XXXX and XX/XX/XXXX stated they could not provide the information requested, only a billing statement for which we still have not received. I am very concerned that Goodleap is misrepresenting the product in violation of truth in lending laws and consumer protections for the elderly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a Update for opened Dispute ID ; ( XXXX ) Date XX/XX/XXXX XXXX E.s.t As of this date on the credit report the last reported date was ; ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) The month of XXXX has updated. After research of the update, I believe the account / auto loan XXXX has reset the 7 years and 1 haft statutes of limitations. The account XXXX changed from XX/XX/XXXX to XXXX SECTION 605 ( c ) ( 1 ) accounts are scattered for these dates. Updated in payment history was not properly reported Information is also missing from Agencys After researching, I believe this report remains extremely confusing and is not clear and accurate.

15 U.S.C 1681 Section 602 ( a ) Accuracy and fairness of credit reporting.

( 1 ) The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

These inaccuracies have effectively negative impact on my confidence. It is difficult and It is a burden trying to open a new bank account I will include pictures for this update
Product: Credit reporting or other personal consumer reports

I looked at my credit report and noticed some things that are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it Sholl follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have been attempting to retrieve my funds from my account via American Express Serve since XXXX. I have attempted to request a replacement card with no help. This account has also been charged {$5.00} per month in fees. The representatives are stating " I can not replace your card without first having your previous card number. '' I have explicitly stated that I did not receive the card ( which also means I do not know the card number ). I have tried AmEx National Bank, Serve phone numbers with absolutely no resolve. I am asking to be made whole with this account. This is becoming an issue of theft. There is no live representative to speak with outside of the card replacement phone number. It will not allow me to transfer the money, order a new card, and/or pay another Serve customer.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Debt Reporting by PORTFOLIO RECOVERY Company : PORTFOLIO RECOVERY Address : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX Account Number : XXXX Amount : {$440.00} Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccurate debt reporting by Portfolio Recovery for an alleged debt of {$440.00} under account number XXXX. On multiple occasions, I have formally requested debt validation from Portfolio Recovery, including the following dates : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> To date, Portfolio Recovery has failed to provide any response or validation of this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request proof of the debt, including a copy of the original signed contract or purchase agreement with my original wet ink signature. 

I assert that I am not liable for this debt of {$440.00}, and I do not have a contractual agreement with Portfolio Recovery. Since they have failed to validate the debt after multiple requests, I believe their continued reporting of this debt is in violation of the FDCPA. 

I respectfully request the CFPB 's assistance in having this account permanently removed from my credit report. Additionally, I request that Portfolio Recovery cease all further collection attempts related to this account. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had XXXX amount of ethereum taken away from my account on XX/XX/2017, The day when XXXX was introduced to coinbase. Initially I thouth it could be bcasue of the Coinbase glitch which they might return once resolved. The transaction list shows its sent to Coinbase. I am not informed the reason and not returning back my currency ( XXXX eth ) with a support ticket open for more than a month now. 


Coinbase Support Ticket /Case number : XXXX Account : XXXX Ph : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX requested deletion letter
15000 XXXX  XXXX XXXX XXXX Va, XXXX
Wf Crd Svc Inquiry from XX/XX/2019  requested deletion letter
credit bureau dispute resolutions XXXX XXXX XXXX XXXX XXXX, IA XXXX  XXXX inquiry from XX/XX/2019  requested deletion letter XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX
phone number XXXX
XXXX XXXX   XXXX XXXX inquiry from XX/XX/2019 requested deletion letter XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX fl XXXX  XXXX   XXXX XX/XX/2019requested deletion letter
XXXX XXXX XXXX XXXX  XXXX, IL XXXX