23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX and Equifax credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
US DEPT ED XXXX Balance Owed : {$4100.00} US DEPT ED XXXX Balance Owed : {$7300.00}
Product: Credit card or prepaid card

We made a XXXX XXXX XXXX XXXX credit purchase via Comenity Bank with a promotional deferred interest for 18 months. The representative at XXXX XXXX had told us we had until XX/XX/2023 to make the final payment before Comenity Bank assessed the charges. I went online to the XXXX XXXX website to make my final payment on XX/XX/2023 for the final payment of {$480.00} and they assessed an APR charge of over {$1400.00}. 

When I spoke with XXXX, Comenity employee # XXXX, I was told they assessed those charges on XX/XX/2023. I let her know we were unaware of this date as we were originally told we had until the end of the month. I also let her know there was nothing on the website/online portal alerting that the due date of the promotional date was approaching and when paperless statements were received it did not alert the consumer of any promotional end dates on the portal or emails. 

I have used other promotional credit card services with stores and they have always sent an alert via email or on their online portal of when the promotion was coming to an end and have never experienced this type of issue. 
The Comenity website only showed the minimum payment due and the date. It had no features to show a consumer that a promotion is due. This is incredibly misleading. 

In addition, we were not receiving paper statements in the mail prior to opting paperless because they had our last name in their system incorrectly. We have spent well over {$50000.00} with Comenity BankXXXX XXXX XXXX XXXX XXXX alone, and I spoke with three different representatives stating that there is nothing they can do to waive the late payment fee even though it was a miscommunication and misinformation on their end, along with a terrible online paperless feature that did not have any prompt features of when a promotion was approaching the end date. 

I had explained to them that we have been loyal consumers of XXXX XXXX and Comenity for over 10 years and asked if I make my payment in full of {$480.00} on XX/XX/2023, which I did online, if they would waive the fee due to our loyalty and misinformation. Keep in the mind, the end date of their cycle was XX/XX/2023 and I called in on XX/XX/2023. I am aware that institutions such as these have a grace-period ( typically 5-7 days ) to waive a fee, especially due to the incorrect information we received, but Comenity did not.

Comenity exemplified terrible customer service to loyal consumers and did not have a user-friendly website which allowed the consumer to have proper notice when a promotional balance is due. In addition, they charged {$1400.00} fee which is not even 29.99 % of the statement balance of {$480.00}. That 'hidden fee ' is something that I am sure I wasn't the only consumer to experience this on top of a misleading paperless/ website paying portal and wrong information by an employee from the store they do business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Also on XXXX2022 again, a charge of {$68.00} was posted on my credit card from a merchant called " XXXX XXXX '' while the service was never provided. I contacted my bank and explained them that " XXXX is a an online marketing website where you can book cars and they will assign you to a rental car agency to take a rental car. So when I made the transaction online at XXXX, they assigned me to a rental car agency that is no longer operational. So I have to look for another rental car agency where I even paid extremely higher than what I should pay because it was a last minute rental. I explained that to my bank but they still not take appropriate actions to remove it from my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date XX/XX/2021 I sent letters informing XXXX, XXXX  and TransUnion of inaccurate information showing up on my credit report. I requested these credit bureaus investigate this wrongful information on my file they completely ignored me never responding to me. After being completely ignored I sent these three credit bureaus XXXX, XXXX  and TransUnion another letter on the date of XX/XX/2021 stating it had been 30 days since my request and I demanded them to investigate these inaccuracies on my report, but they still have not gave me any response. This is very unfair to my family and I as it is causing financial hardship in our lives.
Product: Credit card or prepaid card

I paid XXXX by check and advised them i would not use my USAA Visa credit card. I gave them a check for {$720.00} dollars .I then called XXXX XXXX ( XXXX ) XXXX XXXX EMAIL XXXX because they charged my credit card and i never gave them my card. If you XXXX complaints about XXXX you will find many complaints about them. I am XXXX and not demented at all. XXXX said you did give me your credit card. I then emailed him all of the complaints about XXXX. 
I have a USAA Visa credit card and i wrote a detailed complaint. USAA 's computer bounced it back at me stating " it is too lengthy. I then received a letter saying that my dispute was denied because i did not give them enough information. I then wrote a letter to the CEO Mr. XXXX he had XXXX XXXX ( XXXX XXXX XXXX ) Customer Advocate EXT.XXXX. You must say " extension '' after the options end. 
call me. She argued the The Fair Credit Lending Act did not apply to this case. I then discussed this with my banker and she said that usually THE MAX one should be paid per The Law and usually it was nothing. 
I called back XXXX and she said " they do not think your case is valid '' .The " they '' remained confidential. She stated i owed USAA Visa {$380.00}. I see both XXXX ( i reported them to Florida State Attorney general ) and XXXX as scamming a senior citizen. In Florida that is a 3rd degree felony punishable by a {$10000.00} fine and up to 5 years in jail. I am reporting USAA Visa because when i XXXX USAA complaints i found a flood of complaints. I have been a USAA card holder for many years. I am a retired XXXX  XXXX XXXX XXXX XXXX with decades of service. I ask for you help with this problem because if i do not pay the {$380.00} they will damage my credit.
Product: Credit card or prepaid card

My wife XXXX XXXX has a credit card with Bank of America. She disputed a charge. A generic letter was sent. While the merchant only stated via a phone callthat they did not receive the merchandise, Bank of America also asks for proof that the customer " followed the merchant 's return policy. '' They added requirements to discourage customers. 

They sent a letter dated XX/XX/XXXX from Florida. The postmark on the envelope was XX/XX/XXXX and arrived on XX/XX/XXXX. Bank of America states that the information either be fax or mailed by XX/XX/XXXX. The address is in XXXX XXXX TX and would take several days to receive ( I faxed the information on XX/XX/XXXX. ) The letter goes onto say that " If this information isn't received by XXXX XXXX, we'll close our investigation ... ..If this occurs, your account will be rebilled. '' I spoke to XXXX today ( XX/XX/19 ) and he stated that they did not receive my fax yet. 

This entire process by Bank of America is a fraud upon ALL policyholders because any written response would be outside of the due date. Please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$1100.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00}
Product: Mortgage

Mortgage got sold to Mr. Cooper ( aka Nationstar Mortgage ). Went to set up bi-weekly payments, got sent their paperwork, filled it out. They received it and said I had to submit two months of full payments before they would turn on bi-weekly payments. I did that. Went to check two months later why it wasn't activated, they said the bank account information they had was incorrect. I asked them to tell me the routing number and account number they had, they did and I confirmed that was correct. It's also the same bank account information I have stored in the backend of their website that I used to make my first two full payments. Now they are telling me I have to go through the setup process again, even though they have everything. Customer service refuses to help resolve this situation.
Product: Checking or savings account

Messaging today because I filed a dispute on XX/XX/XXXX for a XXXX transaction that made on XX/XX/XXXX through Chime bank. I was suppose to receive a item that initial received it, the seller then recalled the item. I messaged them immediately and they responded initial by accusing me of the reasoning why the item was recalled. I later found out that the reasoning was connected to their own actions, and I was told that they would check in on why the item was recalled. I never heard from them after that and they blocked me from messaging them. I filed my claim/ dispute immediately. I provided the conversation that me and seller had as proof, as well as the email they gave me to send the money as proof that this is the seller I dealt with. The messages have dates that all correlate with the whole situation. Ive been with chime for for a few years now, and I really just want my money back. It not fair that I can given a product and it recalled back and I cant even get my money back. It would one thing if I still had access to the product but isnt the case. It wouldnt be that bad if it was a couple hundred dollars but we are talking about {$1200.00}. Ive gone through the chime dispute process twice and both times Im claim has been denied. This very frustrating because, I honestly feel like chime hasnt had my best interest at heart.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX {$2700.00} I first submitted my complaint to Experian on XX/XX/XXXX asking them to verify this unknown account. 

Experian responded with a computer-generated letter informing me that the account was verified and that I should contact the creditor if I had additional questions. 

I contacted the original creditor on XX/XX/XXXX, asking them to validate the debt, to which they DID NOT. 

I wrote Experian again on XX/XX/XXXX, informing them the creditor did not validate the debt and according to the laws the account, must be deleted. 

I received an email notification today that the account is verified with them. How is that possible if they cant validate with me the consumer.
Product: Checking or savings account

XX/XX/year> did not recieve my payroll direct deposit with Capitol One Bank its been XXXX hours and still nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020 I have been attempting to settle a " debt '' with said Company to no avail. After sending ( via USPS Certified and Priority Mail ( Express ) many notices, affidavits and other correspondences including but not limited to demands for full verification ( s ) of " debt '', a full accounting of said " debt '', notice of default and estoppel and other private special trust deposit documents, to date I have not received any of my requested and demanded inquiries. After experiencing some personal hardship due to said Company 's negative reporting of said Estate, and said Company 's reluctance to submit documents, non-compliance, default, and non-response. The current hardships that are mostly due to the COVID-19 Pandemic Disaster and I not being able to mover forward financially due to the negative reporting by said Company, I was forced to settle said trust account in USD for the full amount of {$5700.00} from my bank whereas said Company 's representative stated that said charge-off would be removed and a letter showing payment of full amount would be emailed to my email, but never sent the email. I was then told to check my junk and spam mail for said email, but to no avail. As of today XX/XX/2020 there is no change to my score. I have exhausted my administrative remedy and will continue to do so in order to possibly file a claim against said Company and it's Agents and Assigns for their breach of a public trust, violation of possible State and Federal laws, as well as many other Constitutional Violations.
Product: Credit reporting

Is regarding ExperianXXXX has been reporting on my credit report ... this has been disputed with XXXX since XX/XX/XXXX. Talked with Experian that XXXX refuses to give me ANY back up ( original date/what this was for etc ... ) Contacted experian each month to dispute again this is an invalid debt. Experian will refuses to remove from my credit bureau.. due to the fact that XXXX sends back in the portal it is a valid debt. How can this be a valid debt if there is NO documentation to back up the debt. Experian stated they will NOT remove and there is nothing they can do and it will be removed from my report XX/XX/XXXX. This is unacceptable that Experian can continue to report negative Unverified information. Not sure how this is legal for the credit bureaus to report false information and side with a collection agency vs the consumer on a debt that is NOT validPlease advise the next steps.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
I have already disputed these items with the bureaus but they did nit remove them, nor prove validation under Sec. 609 FCRA.

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICES EQUIFAX MORTGAGE SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICES- EQUIFAX MORTGAGE SERVICES - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICES EQUIFAX MORTGAGE SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX MI XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, IL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX
Product: Student loan

I defaulted on student loan serviced by AES from XX/XX/XXXX-XX/XX/XXXX due to hardship. My husband was XXXX  leaving me to pay many bills debts, lawyer fees alone for a year. AES closed account & listed as defaulted on my credit report causing my credit score to drop over 100 points. 
My loan has since been transferred to PHEAA & reported as new loan on my credit report. for nearly the same amount as my original loan with AES. This loan amount also includes astronomical collection fees which I find unfair considering these two companies are within the same entity. 
In XX/XX/XXXX I began receiving letters from PHEAA, threatening to garnish my wages if I didnt establishment payment agreement by XX/XX/XXXX.

XX/XX/XXXX I submitted Tax info & established payment arrangement with PHEAA and made a payment of {$200.00} via AES. I found this odd my payment was accepted by AES however, PHEAA is tacking on collections charges.

I openly expressed I could not afford this payment agreement despite this being the amount established based on income, dependents and bills incurred monthly ; which I believe has been calculated incorrectly. PHEAA was unable to lower monthly payments & assured me XXXX dollars is enough to survive for a month with two dependents not including self. 
XX/XX/XXXX I receive letter from PHEAA stating my new payment would be {$230.00} despite {$200.00} agreement based on info. Submitted via email. XX/XX/XXXX I call PHEAA to figure out why my payment amount changed. I was told I provided incorrect info. Even though I submitted all financial info. Via email same day. I was also told that my {$200.00} would not be applied to agreement until I pay {$32.00} more. Customer service rep. Was also incredibly hostile with providing answers to my questions. 
I was also informed PHEAA couldnt provide me with an account statement & collection cost bill. 
I also feel the school I attended should have been responsible for said loans considering The school closed and defaulted on promises made when I originally signed the loan agreement which was lifetime job placement and refresher courses. I have not worked in the field in which loan was acquired for since the demise of that school
Product: Credit card or prepaid card

Penfed closed the credit card I opened with them a few years ago and it has a huge balance which I try to make payments on every month but the app won't let me. I also have a savings account with them which I regularly make deposits almost every week. When I try to make a payment to my credit card through the mobile app, it won't let me. After the payment is due and they report it to the credit bureau, then they took the payment from my savings account. Because of that my payments with them is always late. If they can move the money from my savings account to the credit card after the payment is due, why they just let me do the payment on time or move the money themselves before the payment is due? They are destroying my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed above do not reflect any correct transactions done by me. My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
INACCURATE NAME : XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX EMPLOYER : XXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRES : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX