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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.

2.Validate Account XXXX Account Number : XXXX Please remove it from my credit report.

3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.

4 Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report
Product: Credit card or prepaid card

My problem is with Comenity, the company that offers the XXXX XXXX credit card XXXX XXXX XXXX XXXX  is the URL for XXXX XXXX credit card XXXX XXXX When a purchase is made, it is " interest free '', as long as the " plan '' for that purchase is paid off by a certain date. I have 2 such plans : One for the engagement ring I purchased for my fianc ( who, sadly, passed away at the end of XXXX ) and the other plan was for another ring I purchased for her. 

On XX/XX/2022, I made a {$120.00} payment on my account. There was nothing owed on the account at the time, so I know the payment would not have been applied to any outstanding fees or charges. I requested that the payment be applied to my plan XXXX ( the plan for the second ring I mentioned ), as my intent was to pay this plan off before XX/XX/2022, at which time interest will be charged for the plan. 

As of XX/XX/2022, the payment has not been applied to the requested plan, nor has the payment been applied to my account at all as far as I can tell from my account page. The prior balance on plan XXXX was {$200.00}, and the balance of that plan remains the same at this time, according to my account page. The total amount owed on my account ( {$1000.00} ) has not changed since making the payment either. It seems to me that their intent is to run out the clock on this plan ( probably both plans, but I wont know that until I start paying on the engagement ring ) so they can start charging interest on the unpaid balance. 

I have sent 2 messages to them through their Secure Message Center ( which I have used successfully several times in the past for other matters ), but neither message was sent due to technical difficulties. So, basically, they declined to accept my inquiry into this matter. The last message I sent stated that I would be filing a complaint with the FTC against them if I did not receive a satisfactory explanation from them before midnight last night. Again, they declined to accept the message, so I am left with no option other than to file a complaint. 

I would like a full accounting/audit of my account from them, as well as an audit of each plan individually, so I can examine their accounting and payment application practices, at which time I will make a decision about pursuing legal remedies. 

I appreciate your assistance in this matter.
Product: Credit card or prepaid card

Today is XX/XX/XXXX. Based of the past five billing cycles, my next bill will likely be due on XX/XX/XXXX. I went online view how much I owe and my statement isn't ready. I am not an expert, but I believe that the law says I am supposed to have my statement a minimum of 21 days in advance. My statement normally ends on the XXXX of the month prior. In this day and age, it should not take this long for a credit card organization like Capital One more than a few days to generate these statements. It makes me wonder if they are intentionally delaying statements so customers have a shorter repayment window.
Product: Payday loan

Lenders charge caused bank charges and overdraft ... after I ran into difficulty making my full payment due to my Daughter being ill..Every two weeks when I got payed I called and made arrangements to pay down balance on loan..which I have been doing since XXXX ... but at the middle of the week before my pay day..an unauthorized draft was sent to my bank ...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I went to my bank, regions, to find out about a personal loan. I was told they had to do a credit inquiry but that this was not a hard inquiry and would not show up.on my credit report. I recently checked my credit and check everything on it and sure enough a have a hard inquiry from Regions bank, had I known this would happen I never would have given them permission to run a credit report.
Product: Debt collection

US Auto requested a voluntary vehicle return. US Auto suddenly closed for business. I do NOT owe this bill with Westlake.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

an accordance to the Fair Credit Reporting act XXXXXXXX XXXX ACCOUNT # XXXX AND XXXX XXXXXXXX XXXX. ACCOUNT # 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.
Product: Payday loan, title loan, or personal loan

I was told at in store in XXXX that they would not automatically take it out of my account that i had a choice to come in and pay l. I asked them before they linked my card and they said yes maam we will not automatically have it tooken out of your card and today they called me telling me that they would take it out of my account tomorrow without my authorization. Without me saying yes which i found disrespectful. So now my account is going to be in a negative because they are taking out of my account instead of letting me pay them the date i said i could
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXs required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report from XXXX AND XXXX AND TRANSUNION, and there's multiple inaccuracies, fraud, Identity theft and unauthorized use of my information without my consent! U.S.C 1681 ( b ). which is against the law under 15 U.S.C 1681 602 a section 2 ( A consumer reporting agency can not furnish an account without my written consent. an i never sent any type of instruction to report any of this inaccurate information an inconsistencies throughout all 3 reporting agencies I have 8 hard inquiries reporting from XXXX and no accounts are open,15 U.S.C 1681 ( n ) to any of those said inquiries. so which have caused damage to my situation as a consumer, ive been denied credit that i am creditworthy for numerous times due to the inaccuracy and fraud these reporting agencies. My social security was used without any benefit to me and is Unacceptable, I the consumer have the right to privacy. ( 15 U.S.C 1681 602 A ) i never gave permission to report old addresses, old numbers, incorrect name across the 3 agencies. Under the FCRA and FDCPA these companies ( XXXX, XXXX, TRANSUNION ) I've even sent all 3 of these credit reporting agencies update on my address and number and full name. And still hasn't been corrected fully. they have violated my rights as a consumer and I DEMAND compensation for EVERY VIOLATION and CORRECT MY REPORT or you will be held accountable for civil liability according to 15 U.S.C 1681n ( a ) ( 1 )
Product: Checking or savings account

Band of America closed my business account without any details. I have a XXXX XXXX and I conduct a lot of check deposits. I do only XXXX payments wire transfers and check deposits in my account .. the bank just abruptly decided to end banking relationships with me. This is harmful to my business I dont conduct and wrong business I have invoices to all checks and I have proof of the legitimate XXXX  XXXX  being conducted of XXXX XXXX and other XXXX  XXXX.
Product: Prepaid card

Hey, so I bought a online service from a company ( XXXX XXXX XXXX ) they charged me {$100.00} On XX/XX/year>. They promised I could ask for a refund after 7 days, it's basically a free trial. The company never ended up refunding me. They have ignored messages for a little over a week now. So, I contacted Found ( XXXX XXXX XXXX ) My bank. I gave them all of the details they needed to show I requested a refund from the company before the 7 days and that they was ignoring me. They said I needed a response from them to file the dispute. Which makes 0 sense. The company clearly scammed me and my own bank doesn't like my business.
Product: Debt collection

I have not received any information from this company as to who or what this collection is for. I request that the collection agency verify and validate this collection.
Product: Vehicle loan or lease

I applied for a used auto loan and was discriminated against by Navy Federal even after exercising my rights in good faith. it was XX/XX/year> when I applied and got denied even with a good credit score, after I responded to Navy Federal with this law 15 USC 1611, meaning, regardless for the reason for denial which is misleading and false information I still have the right to access my unlimited credit without discrimination or denial. I even asked Navy Federal to retract my application if my credit request could not be approved and Navy Federal stated that they could not retract my application and would not reopen my submission for extension of my own unlimited credit, denying me of my rights to credit which is fraud! They even went as far as stating that they would not be responding back to my concerns neglecting me, withholding my credit, and discriminatory purposes and violating my rights altogether!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$8800.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$5100.00}, XXXX XXXX XXXXXXXX Account # : XXXX date opened XX/XX/XXXX bal. {$15.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} , XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I paid for flood insurance in timely way and provided proof of coverage to Webster Bank as requested. They nonetheless charged me for forced placement and disbursed from my escrow account payment for an additional flood insurance policy more than twice as expensive with no authorization from me or legal justification. 

Here are the relevant dates : Purchased Flood Insurance on XX/XX/XXXX for {$1000.00} ( canceled check attached ) ; Provided Webster Bank proof of coverage on XX/XX/XXXX ( copy of email communication to Webster Bank attached ) ; Webster Bank  disbursed from the escrow account in connection with my mortgage forced placement of an additional flood insurance policy for {$2200.00} ( mortgage statement attached ).
Product: Credit reporting

For the past 2 years, I have disputed XXXX accounts in particular that only appear on Experian tradelines. These creditors or debt collectors have not complied with the FDCPA and Experian keeps falsely reporting these items as verified items. Today, I spoke with CS Rep. XXXX XXXX from XXXX XXXX XXXX. On the automated system, it reflects when I put in XXXX XXXX personal identifiers {$0.00} past due and {$0.00} balance. I spoke to XXXX and told her there is a open investigation concerning this account on Experian. She told me that the account was settled out. But when I asked for the date of settlement, she said there was a balance of {$2800.00}. XXXX. She was then asked if XXXX will be collecting on this balance, she replied, " XXXX XXXX XXXX is not collecting on debt but reserves the right to send it to collection. She will be sending in the mail to my mailing address any information concerning this false account. 
I also spoke with XXXX in house recovery dept representative XXXX. I gave XXXX XXXX person identifiers and was told there was a open balance of {$250.00}. He was demanded to send all information concerning account in writing to my mailing address. He refused to do so, although I gave him XXXX XXXX personal identifiers. XXXX refuses to verify debt and EXPERIAN refuses my request to delete tradeline. 
Also XXXX XXXX has cease in its collection efforts to collect on a XXXX Credit card that did not belong to me. I made a complaint to CFPB against XXXX XXXX XXXX who falsely filed a judgment and is only reporting their tradeline on EXPERIAN. Their response was unsatifactory and disputed.
Product: Vehicle loan or lease

I requested a copy of my retail installment sales contract and Nissan Motors failed to include this information in their response. 

This is my second request for that information. I look forward to receiving it. 

Thank you.
Product: Credit card or prepaid card

Original Creditor : XXXX XXXX Dear Sir or Madam : I am the victim of identity theft. I recently learned that someone used my personal information to open an account and make purchases with XXXX XXXX XXXX XXXX This debt is not mine. 
In accordance with the Fair Debt Collection Practices Act, I request that you stop collection proceedings against me and cease communications with me about this debt, except to comply with section 615 ( g ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), as described below. I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA, that you notify XXXX XXXX that the debt is the result of identity theft. 
I Never opened a credit card with XXXXXXXX XXXX, and never will. My personal information was used to obtain credit in my name, which I am not responsible for. An identity theft report will be included. Also a police report is in the process of being filed in regards to this matter. 
Enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the FCRA as an information furnisher to credit reporting agencies. The Notice also specifies your responsibilities when a credit reporting agency notifies you under section 605B of the FCRA that information you provided to it may be the result of identity theft.

Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. Please provide me with the following documents related to this account : 1. Application records or screen prints of Internet/phone applications 2. Statements or invoices 3. Payment/charge slips 4. Investigators summary 5. Delivery addresses 6. All records of phone numbers used to activate or access the account 7. Signatures on applications and accounts 8. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : 1. notify the original creditor that the debt is the result of identity theft ; 2. stop collection proceedings against me ; 3. cease reporting this information to the credit reporting agencies ; 4. provide me with the information I am requesting ; and 5. take all actions required of you as a furnisher of information to credit reporting agencies. 
Thank you for your cooperation. Sincerely, XXXX XXXX XXXX XXXX XXXX : I have attached to following documents FCRA 615 ( g ) ( 2 ) FTC Notice to Furnishers of Information FTC Identity Theft Report Police Report ( Pending Deputy Signature )
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX Amount XXXXXXXX XXXX XXXX Date Open : XX/XX/XXXX Amount : XXXX XXXX  Date XXXX Amount : XXXXXXXX XXXX XXXX Date Open : XX/XX/XXXX Amount : XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : XXXX XXXX  Opened : XX/XX/XXXX Amount : XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX Amount : XXXX Inquires : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized charges were done when card waa lost or stolen. Properly reported to goverment agency and all fraud affidavit and transaction reported and sent to XXXX instead of fixing problem they keept account open for several months charging hundreds in fees to their advantage. Then they claim to not received any papers from me or dispute feom me. The only time they reaponded is when your agency made them cooperate last time. Please help
Product: Student loan

My FSA account has inaccurate information. I've submitted multiple complaints and requests for follow up for over 6 months with no follow up from FSA or Mohela. When I call FSA and Mohela, both say it is the other organizations problem. FSA has loans on my account that have been consolidated, but they report the applications are pending, although Mohela says the application has been closed for years. FSA is withholding information and refusing to provide follow up requests. This is my second CFPB complaint.
Product: Student loan

Great Lakes Higher Education is mishandling government funds from veterans benefits and the federal student loan repayment program. This is a annual problem and every year it is a big process to get GLHE to acknowledge payment was made and to actually apply the funds to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX XXXX XX/XX/XXXX I have wrote the credit bureau about this account being on my credit report. I have asked XXXX and XXXX to remove these accounts but I have not seen a change on my report. 

Account : XXXX XXXX XXXX : XX/XX/XXXX I have sent XXXX and XXXX a dispute letter asking them to remove the accounts. These accounts remain on my credit report and have not been removed. 

Account ; CNAC XX/XX/XXXX I have sent XXXX a dispute letter about the account being on my credit report. I have asked them to remove the account from my credit report but this account remains on my credit. 

I am not aware of any of these accounts and they are fraudulent.