23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX a full beauty brand - Comenity XXXX XXXX account number ending XXXX. 

I've spoken to this company on several occasion and have been assured all will be cleared up.It is not cleared up! 
I purchased 2 sweaters XXXXXXXX XXXX using a new community XXXXXXXX account ending in XXXX. On the same day I received the 2 sweaters, I brought them to XXXX ( as per XXXX XXXX ) to be returned since they were of an inferior quality. I then continued to be billed, eventually including fee after fee. Minimum payment request after minimum, I've spoken to them on several occasions since. 
** They have reported late payments to the credit bureaus. My credit score was close to XXXX before they began reporting these payments as late. I eventually ( XX/XX/2023 ) sent a {$5.00} payment hoping for them to stop adding to the ruination of my credit rating. 

Comenity could be fraudulent as Community is the way it is pronounced.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian has reported a XXXX XXXXXXXX on my credit report and has not shown any proof of how and when the information was verified ; state laws clearly states that the XXXX XXXXXXXX bankruptcy courts never report or transfer anyone records to any of the Bureaus for any purposes. This is not my bankruptcy
Product: Credit card

Charge-offs stay on your credit report for up to 6-7 years from the date the account was charged off. However, I was told that it will be removed before then. It has been already over 6 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, This is my second time to report all three credit bureau 's .I have disputed these items over many times already and they still remain. so I'm reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I feel like I'm being taken advantage of and being ignored of my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the 3 credit bureaus regarding inquiries on my account that are not mine and without investigation it is closed within a few hours. It is unfair to have them on my reports which are harmful and unfairly lowering my score and any chances at home ownership XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been notified that I may be affected by the Equifax data security breach. As a consumer I believe that the security in place for such an important credit agency should have been able to withstand or prevent the attacks that occurred. As a result, my personal information may be in the hands of unwanted persons.
Product: Credit reporting or other personal consumer reports

FCRA 605B obligates you to remove any incorrect accounts from my credit report. Please review the documents ; some of the accounts have been reported inaccurately with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

Requested that incorrect information in addresses that do not belong to me be removed. They continue to keep outdated addresses on my credit file after numerous attempts of requesting they be removed. 

The also continue to report outdated information pass the 7 year mark and I have requested that information be removed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  ; account 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 an account without my written instructions I have sent multiple letters and emails ; also called both companies and exampled to them that this account is not mine. By this account reporting false information on my credit report, it has caused lenders to refused applications ; which put my business in a financial deficit. Please assist me with this issue by removing is fraudulent account.
Product: Checking or savings account

I went to the Synovus Bank located on XXXX XXXX in XXXXXXXX XXXX  I had an XXXX XXXX so I decided to deposit it into my checking account at Synovus. I put my debit card in, and then the XXXX Then, the ATM crashed. The screen said " system failure '' or something like that and then it restarted on its own. I never got my card back or the XXXX back. I immediately called Synovus customer service and was given a temporary credit of a XXXX  Now, I log onto my account and see that the credit was reversed. After they stole my XXXX  I am beyond shocked and disappointed. I am just glad it wasn't a large amount of money. I just want them to make it right by giving me my XXXX  back. Otherwise, they are thieves.
Product: Credit reporting

I have a few things corrected on my Credit score. Correct Name XXXX XXXX XXXX XXXX not XXXX XXXX and never lived at this address XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Also remove all not authorized promotional inqueries that are affecting my score from XXXX XXXX, XXXX, XXXX, XXXX etc. 
Also there are a few closed accounts that are more than XXXX years that still show on my report, XXXX, XXXX XXXX and others. 
XXXX CC still shows on my report which should be removed since court determined I was not responsible for the card. 
Another concern is that my score showed a decrease in number. Im concerned why has XXXX lowered my score.
Product: Checking or savings account

I received a check from a potential business partner that was paid forward. I deposited this check and began using this money when they canceled the check and all charges were charged to me when the check got canceled. This has caused my account to go into a negative balance. I deposited the check on XX/XX/22 and they refunded it to themselves XX/XX/22. They also asked me to send some of the money back which I did but once they canceled the check the charge was also taken out of my account. I was scammed by this person because I believe they never intended on letting me keep the money, but wanted me to send money back in order to take my money. I notified my bank of this problem and because I tried to send them the money back they will do nothing to help.
Product: Credit reporting or other personal consumer reports

The company sold to other lenders as well as Nelnet who the loan lender was from the start to much of my information is out here, information is making my credit ability look awful These companies.are doing what ever they want with my information it is affecting my credit score every thing dealing with my credit report
Product: Mortgage

I refinanced our mortgage in XXXX and paid off Amerihome Mortgage Company on/around XXXX XX/XX/2020. I still have not received the remaining balance ( {$2000.00} ) from them. I have called twice and also opened a case online. Each time, I have been told it has been processed and to wait 10 days. The last time I called ( week of XXXX XXXX XXXX ), I requested an expedited check and was denied because they said it had been processed in late XXXX and was in transit. 

I understand there is a regulation that excess funds must be returned by the lender within 20 business days and this has clearly not happened despite my repeated attempts at resolution. Interestingly, I just received my Form 1098 from them indicating that the {$2000.00} has been refunded. 

I appreciate any help you can provide.
Product: Mortgage

XXXX  XXXX XXXX owns my loan but the loan is serviced by a company called Shellpoint Mortgage Servicing. That company will not allow me to escalate the issue beyond what they call a " Single point of contact ''. In this case, the man 's name is XXXX XXXX and he has thwarted any and all attempts to stop my home from being foreclosed on. The company has agreed to and gone back on 2 separate modifications and then when we finally negotiated one, I paid {$5000.00} to them and lost my job. I immediately contacted my XXXX and he said that they were going to proceed with foreclosure. I have filed Bankruptcy several times to prevent the sale of my home but can not get ANY responses from this company. 

I have a paper trail of emails that show how evasive and sketchy the points of contact are. The company refused to put the modification in writing or even a record of the {$5000.00} paid. 

This complaint is being filed at the suggestion of a COO from XXXX  XXXX XXXX because of the company 's unwillingness to communicate or work with me and forcing foreclosure as an only option.
Product: Student loan

I was recently informed that I did not Qualify for the Navient Cancelation of Private student loans. I feel that I should have qualified for the following reasons. 
I obtained my loans in XX/XX/XXXX. I had maxed out my deferral with Sallie Mae shortly after having repayment began because the payments were too high. I lapsed on quite a few payments. I was pressured into a payment plan to stop the harassing calls and bad reporting on my credit, Unfortunately the payment plan lowered my Monthly payments but it was at a negative amortization. I delt I had no choice but to accept a few times. And although I was told that they will stop the negative reporting on my credit with the new payment plan they did not. I called to inquire about it and was told until all back pay including the added amounts to the balance was paid they will continue to report it as late. This was not the way it was explained to me prior to signing up. I have only been just recently able to pay down some of the principal and I have been paying on these loans since XXXX. 
Also the loans are high interest and they refuse to allow me to refinance. I feel this is not fair. I feel trapped.
Product: Debt collection

I am writing to file a formal complaint against Midland Collection Agency for the violation of my consumer rights as outlined by the Consumer Financial Protection Bureau ( CFPB ) regulations. Despite my repeated attempts to resolve the issue directly with Midland, they have failed to comply with federal regulations and have resorted to false, misleading, and deceptive practices. 

Under 12 CFR 1006.34 ( b ) ( 5 ), Midland is required to provide validation information upon request, which they have neglected to furnish. Despite this failure, they proceeded to place a collection on my credit report, thereby impacting my creditworthiness without providing me with the opportunity to dispute the debt as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Moreover, the agency 's actions constitute a clear violation of my consumer rights as they have used false and misleading representations to report the debt to consumer reporting agencies. According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ), Midland is obligated to provide all necessary disclosures before furnishing any account to a consumer reporting agency, which they have failed to do. 

I hereby request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions against Midland Collection Agency for their egregious violations of federal regulations and consumer rights. I also request that Midland be held accountable for any damages incurred as a result of their actions.
Product: Checking or savings account

SoFi Bank closed my account for frequent use and depositing a check that was signed over to me. They refuse to give me further information and have not released the funds held in the account.
Product: Credit card or prepaid card

My XXXX and XXXX credit report shows that Wells Fargo has reported my account as late in my payment history. According to my credit report my account status is 'charge off ' as of XX/XX/XXXX. XX/XX/XXXX According to Wells Fargo was my last Payment. I have not made a payment on this account since XX/XX/XXXX. This account is closed and Wells Fargo is reporting late payments. According to my credit report my account was closed XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent Experian a notice to remove unauthorize impermissible inquiries from my consumer profile or produce a contract containing my consent. Experian received the notice on XX/XX/year>, over 30 days ago, but has yet to respond to my request. I did not authorize any of the inquiries contained in the attached notice and I did not give Experian consent to share my information.
Product: Credit card or prepaid card

I applied for this credit card on XX/XX/XXXX with the bonus offer that was promised on charges for first year. Offer stated that it expires on XX/XX/XXXX at that time and was even extended til XX/XX/XXXX. I spent about {$500.00} in first month at restaurants and was expecting 10x points to be posted when statement closed. Upon seeing the points not posted properly, contacted American Express customer service. I was then told to wait few more days as it might take couple weeks for bonus points to post. I kept my restaurant spending going as I was still expecting this to be rectified. In middle of XX/XX/XXXX, I  reached out to customer service again and was notified there is no such offer on my account. I was then told that representative will open request with Marketing department and it will take 2-3 weeks  for response. I called again in middle of XX/XX/XXXX as I spend over {$1000.00} at restaurants on this card and bonus was still not posting. I was told Marketing department did not make any updates so offer is not applied. I asked to request Marketing department to look at my case again as I was promised something on website and am not receiving it.I gave them another month and called again in end of XX/XX/XXXX. This time I was told my request was denied and that I was not offered this particular offer even though I clearly applied for the card from the page that has the offer. I asked to speak to supervisor and was told nothing can be done. I was then told that based on my history, I would be offered XXXX points instead of XXXX points I should have gotten. I stopped using the card and decided that American Express did n't deserve my business. I also lost out on 2x points for {$50000.00} as well that i would have spent on the credit card if the offer was extended to me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to refinance my house, but mortgage banker informed me that my had some negative items on my credit report. I need theses items because they do not belong to me.
Product: Credit reporting or other personal consumer reports

Santander Consumer USA has been reporting monthly that my account is " CO '' ( charged off ), which violates the FCRA. I have never received a 1099-C from them, yet they continue to report this to my credit report. I dont understand how an account can be charged off every month since XX/XX/year>. Ive sent multiple letters and disputed this with various companies. While it has been removed from one reporting agency, it remains on XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Product: Credit reporting

Background : I receive a weekly credit report from XXXX. In order to verify the information, I went to Equifax and ordered the three-bureau report. The XXXX score reported on Equifax 's report seemed low to me, so I went to XXXX directly. Their score was significantly higher than the one reported by Equifax. I called Equifax to understand why the XXXX reports were so vastly different. 

During my call, the supervisor mentioned that Equifax runs its own model to develop credit scores. When asked why the XXXX XXXX scores ( the one provided by Equifax and the one provided directly from XXXX ) were so vastly different, the supervisor indicated that this was because Equifax generates their reports using their own model based on XXXX criteria. 

Complaint : I have XXXX alternative complaints : ( 1 ) That Equifax never disclosed to me, their customer, that when purchasing their XXXX-bureau package, they would not be giving me XXXX actual score, but rather their score based on XXXX criteria. In reliance of their advertisement that I could receive all XXXX Bureau 's scores, I purchased the package. ( 2 ) That Equifax , if they are not willing to disclose that they will be generating their score based on XXXX criteria, should then be made to provide the score I am able to obtain from XXXX directly. 

Conclusion : Given the sensitivity and importance around credit scores, and the need to provide such information to potential lenders, the bureaus have the responsibility to accurately and completely disclose to their customers where scores are actually coming from, rather than misleading them into purchasing a XXXX-bureau package that only provides a score from XXXX bureau with the other XXXX bureau 's criteria. Given that I was able to do my diligence, and reconcile the report provided by Equifax and the report provided by XXXX, I believe I was in fact mislead by Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 
15. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
16. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
17. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
20. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report. 
21. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
22. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of XXXX. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Product: Credit reporting or other personal consumer reports

Equifax has obtained my information unlawfully, Equifax and sharing my information without my written instructions to do so
Product: Credit reporting or other personal consumer reports

I noticed an account on my credit report that does not belong to me or has incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTE THIS ACCOUNT OVER AND OVER AND NOTHING HAS BEEN VERFITY BECAUSE I HAVING
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain inaccuracies on my credit report. I have carefully reviewed the information provided by your bureau, and I have identified several discrepancies that require your attention and correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Keeps reporting erroneous payment history. In XXXX of this year I was put on a deferred payment. I have 3 accounts with Navy Federal car loan and 2 credit cards. One of my credit cards I had to make a {$50.00} on XX/XX/20 and the other 2 loan payments i n't due until XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX just alerted me that there's no payment history for my navy federal accounts and my XXXX  score dropped by 4 points. I can't have any late payments appearing because eventually I'm trying to qualify for a house