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

2 weeks ago I received letter from comenity bank ( XXXX XXXX store card ) asking me to send them copies of my s.s. card, driver 's license, passport ... .. because of suspected fraud. ( I got a new s.s. # last year because my original one Has been issued to 2 people by mistake 20 years ago ... the social security administration exclaimed ) so I am very careful now, I am building my credit again in my XXXX age. I am paying everything on time, doing the right things ... so I called the comenity bank and the man on phone was talking very down to me. ( When i got the store card last year i called the number on the back of the card because I couldn't make an account on line to pay the bill, the nice professional man who picked up was in different country which now putting two flags up ) It's hard to send my identity to this company so I called two days ago again to find out what kind of possible fraud is going on " on my side '' and to close the account because it makes me uncomfortable. This time I spoke to a lady, she asked for the last 4 digits, address, phone number to make sure I'm the card holder but she couldn't give me any answers about the possible fraud. So i asked her to close my account, she put me on hold to speak to her supervisor, then she told me that the account will be automatically closed after 30 days if they didn't receive all my copies. 
I am very worried that their action will mess my credit because I have XXXX balance with them but on my credit report its showing I'm using 30 % of the limit. 
It's really stressing me out that they can destroy my credit. If I would at least not paying on time but I do. I am worried that they tried to steal my identity because they see I was doing good ... .but because I am not letting them to have all my copies they will just destroy me. 
It's scary to open store card and end up with some unknown bank from overseas instead. They want to keep a secret about fraud on my account, with my name, my s.s #, they dont want to share with me fraud about me, they are not legit to me.
Product: Credit card

PayPal opened up a line of credit for me without my knowledge or consent. PayPal created a hard inquiry on my XXXX credit report without my knowledge or consent, causing my credit score to decrease.
Product: Credit card or prepaid card

I contacted Synchrony Bank on XX/XX/22 about a credit card that appears to have been fraudulently created in my name. It is for their JCPenney credit card, a card which I have never owned. They said I had to mail a XXXX XXXX about the problem. Today I got a new email, this one from Lowe 's, about my Lowe 's Advantage credit card. It appears that a second credit card has been created in my name that I have never owned and never requested. These credit cards need to stop being fraudulently created and XXXX  needs to address their security system that is being breached by hackers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i summited a dispute it began on XX/XX/XXXX was completed XX/XX/XXXX which is unheard of for a proper investigation to take place in less then 5 days which shows Im not receiving a proper investigation on the fraudulent charge off with incorrect information being report as i pointed out and requested it all be deleted immediately because my credit file is inaccurate and not 100 % accurate. Experian just updated the inaccute charge off thats reporting wrong invalid information on me even after my documents reports and letters sent in.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed accounts that do not belong to me.
Product: Debt collection

Requested a debt validation from Jefferson capital systems multiple times and they did not respond.
Product: Checking or savings account

Several years ago I opened two custodial savings accounts for my each of my XXXX XXXXr children with Bank of America. I had small balances in each account ( $ XXXX ) for several years and no issues. Recently, Bank of America started to charge monthly maintenance fees on each account ( $ XXXX ). I called Bank of America 's customer service line and requested they reverse the fees because they were savings accounts for minors. The representative agreed and did so. Yet, Bank of America continued to charge the accounts with monthly maintenance fees. 

I called Bank of America customer service again, had the fees reversed and transferred the money out of the accounts to XXXX plans with another institution. I called Bank of America and asked it to close the accounts. I was told that I would have to visit a branch to close the accounts because they were accounts for minors. 

I visited the branch on XXXX in XXXX AZ and requested they close the accounts. I was told they could not do so because there was a negative balance on each account due to the monthly maintenance fee that was wrongly being charged to the account. I was told that I would have to call customer service to have the fees reversed and then return to the branch to close the accounts. 

It should be this hard to close two savings accounts for minors. Bank of America is taking advantage of consumers and must be held accountable.
Product: Checking or savings account

My debit card got stolen from my car and somebody went on a shopping spree after they hacked my PIN #. I called SoFi immediately after this and had my cards frozen / replaced. Even after multiple calls, a police report and evidence that I was not the person who made fraudulent purchases with my SoFi debit card, SoFi told me they think Im lying and refuse to reimburse me for the money I should be insured with under their banking name. 

Its obvious what happened, SoFi just doesnt want to give me my money that I worked hard to earn and had STOLEN fro me!
Product: Debt collection

XX/XX/2020 I called XXXX ( the local gas company ) to settle an account I had with them that they sold to a collection agency in the amount of {$280.00}. I paid XXXX in full. I asked the rep what should I do to get the collection account removed from my credit report since I paid the ORIGINAL CREDITOR and she told me to call the collection agency and let them know that I paid them and it was no longer a valid debt for them to attempt to collect on so they could remove the collection account from my credit reports. When I called Penn Credit Corp to let them know what the rep from XXXX said, they told me they could only update is as paid in full. I NEVER paid Penn Credit Corporation and I am fully aware that under the FCRA AND FDCPA that my rights as a consumer have been violated. Them reporting that I paid them in full for the collection account is reporting inaccurate information because I NEVER paid them any money at all nor will they have any record of the payment in their payment processor. I am requesting that this inaccurately reporting collection account be completely removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax continues to inquire dispute inquiries, reporting onto my credit report but they are taking longer than usual, ive been waiting to apply for a home loan as well establish business credit. 
XXXX has so many inaccurate information thats not up to date, hurtingh me from gaining credit. 
i have called creditors they have no information available in their system, i have addresses phone numbers, hard inquiries that are someone else 's or likely fraudulent, i have several addresses phone numbers, names that are not mine, i am not them. 
over the years the scammers have been more creative and illusive adding their personal addresses and cell numbers XXXXXXXX XXXX  equifax, XXXX  information gathering is a disservice to consumers as these creditors above are holding onto several inadequate information
Product: Credit reporting or other personal consumer reports

I am writing to dispute the account # XXXX reported by Ally Financial on my credit report, as I believe this may be a case of identity theft. I do not recall taking out any loan or having any obligation with your company. Additionally, I have received no prior correspondence regarding this alleged debt, nor have I been sent any debt validation documents confirming its legitimacy.

My personal information was involved in a documented data breach, and I have attached supporting evidence for your reference. Moreover, I have not received any documents bearing my signature or identification that would bind me to this debt, which is typically required for loan agreements. 

I am requesting the immediate removal of this account from my credit report. Even if your investigation were to conclude that this account is mine, which I firmly believe it is not, the reporting of this account violates FCRA regulations. There are clear discrepancies, such as inconsistent reporting of the " date last active '' and signs of re-aging. Additionally, the reported payment history is inaccurate. You claim that I was 30 days late in both XXXX and XX/XX/year>, followed by a 60-day late payment in XX/XX/year>, and then another XXXX late payment in XX/XX/year>. This pattern is highly inconsistent and clearly erroneous. The payment history indicates that the account was charged off after being 90 days late. However, per standard industry practice, an account should not be charged off until it is XXXX days past due. This discrepancy suggests that either the law was violated by not allowing the appropriate time, or my consumer rights were infringed upon by reporting inaccurate late days. 

Your failure to accurately report this account constitutes negligence and is a violation of my consumer rights under the FCRA. I urge you to reference XXXXXXXX XXXX XXXXXXXX and promptly remove this inaccurate account from my credit report.
Product: Credit card or prepaid card

Last XXXX my Wayfair store card was converted into a Master Card without my authorization. I only just found the card and realized what was done. How can a company take out a Master Card in my name without my authorization? I was told by Supervisor XXXX, Badge # XXXX, that a letter was sent out but I did not receive one and even if I did, the company still should not have taken a Master Card out without my authorization.
Product: Checking or savings account

Hello, I am writing per the terms of the Revolut Cardholder agreement " 17. Preauthorized Credits. If you have arranged to have direct deposits made to your Card Account at least once every 60 days from the same person or company and you do not receive a receipt/statement ( or paystub ), you can contact us using the Revolut mobile application or send an email to XXXX to find out whether or not the deposit was made '' I have a recurring direct deposit that was never posted by Revolut that was scheduled to arrive on XX/XX/XXXX ( Friday ), 2021 - in the amount of {$9100.00} USD from XXXXXXXX XXXX XXXXXXXX. I've confirmed with my employer that the amount was sent and has not been returned. My employer uses XXXX as a payroll processor. I'm not sure if the funds didn't arrive or if the funds are being held by Revolut due to compliance issues. 

I've never had a direct deposit not post by the actual payday ever at any bank in the United States. I understand sometimes a deposit may post early due to the 2-day early pay, but this may not always be the case. The expectation then would be the funds would post on the actual pay day. As you can imagine this has caused some financial impacts. 

Revolut customer service has been unhelpful because to trace the payment they need the sending bank information which my employer is unable to provide because they use XXXX. I've asked Revolut to use a previously posted direct deposit to use for the same sending bank details. I working in banking and compliance and I've seen an ACH file - it is not very difficult to do a quick search if you only have part of the details or if you have a reference transfer. 

Additionally - I have not received ( I looked through the terms and conditions ) the specific funds availability policy ( RegCC ) as a deposit holder including or a RegCC hold notice. 

Thanks
Product: Debt collection

XXXX which is owned by comenity bank and XXXX sold my information to collection agency XXXX XXXX in which I did not have a binding legal contract. XXXX/ comenity bank and XXXX already received funds as tax write off XXXX still continue to sell my information to collection agencies and XXXX is part of this scam because they continue to put inaccurate information on my credit report. XXXX was listed twice on my credit report one as XXXX and the other as XXXX with the same account number opened in different years
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously been submitting letters to both creditors and all XXXX bureaus over 5 times in a matter of over 120 days and nothing has been resolved. PHFA has gone against my consumer rights reporting information that was never given my written consent and I demand every late payment on my report be deleted before I file a law suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted CFPB a number of times.Regarding inaccurate information being reported to all 3 Credit Bureaus ( XXXX, Equifax, XXXX ) .The CFPB is supposed to protect me the consumer.When receiving a complaint from a consumer.The furnisher has to show verification, and validation. To back up there accurate account of disputes. A violation of the FCRA occurs under section 623 ( a ) ( 1 ) if it is shown that a party reported information what was knowingly inaccurate.In any dispute, the furnisher of the information can either verify the accuracy of what they have reported, or correct the inaccuracy should they agree that it is currently inaccurate. To the extent that the CRA considers a response to a dispute to be a date of last activity, that is not a substantive issue, and not a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2024 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1600.00}
Product: Credit card or prepaid card

On XX/XX/XXXX, my husband added our daughter to our credit card account ( CapitalOne ). On XX/XX/XXXX, we tried booking a vacation that was a high dollar amount, which triggered a higher level fraud detection, In " normal '' fraud detection concerns, the company would simply send us a text saying " was this you '' and we could reply yes or no. 

In this case, CapitalOne, put our accounts on restricted status until we upload the front and back copies of our social security card, a drivers license, and proof of residency. 

We have major concerns about uploading personal identifiable information. We have let CapitalOne know this, but they insist that our accounts remain on restricted status until we do so. 

I sent an email to CapitalOne executives on Wednesday, XX/XX/XXXX, and have received no response : Dear CapitalOne, Our account was recently placed on restricted status. Your fraud department is asking us to upload our social security number, driver 's license and proof of residency. We are not comfortable uploading personally identifiable information - even with a secure site. Personal and secure information gets stolen all the time - despite the best intentions of companies trying to secure their data, including XXXX : XXXX : XXXX With that being said, my husband did upload the information, although he obfuscated some of it for our own personal security reasons. We called to verify the information had been received but have also been told that the team who investigates will likely not accept this as proof of identity since it had been obfuscated. 

While I understand, and appreciate, the importance of verifying potentially fraudulent charges, to require this information be uploaded into cyberspace is very much an over-reach. There are several other ways to verify your customers personal and sensitive information ( in person verification perhaps, other security questions etc. ). 

As Im sure you understand, having accounts on restricted status place us in a compromised position with other businesses that are tied to our personal bills. They are now not getting paid. When we call to check the status, the agents simply say 5-7 business days, which is far too long to be locked out of your accounts. 

We also read some articles online about other customers who have experienced the same fate. We even read one customers story that said even if they wanted to close the account, they would still have to upload this same personally identifiable information in order to do so, which is seemingly absurd. 

We have had your card in our wallets for over 20 years. The customer service, or lack thereof, is unprecedented. We are who we say we are. Your systems generated a heightened fraud alert, but there was no fraud. This should be resolved in no less than 24 hours, and you should absolutely respect that customers are not comfortable uploading personal identifiable information securely or not into cyberspace. 

Were not criminals. Weve been loyal customers, and are simply appalled by how we are being treated.
Product: Student loan

I qualified for PSLF and both my subsidized and unsubsidized loans were put into administrative forbearance. One loan was forgiven, but the other wasn't, though that is not what I am complaining about. 

They sent me a letter saying that a second administrative forbearance would start on XXXX, but it never happened. Now I have a past due amount on my loan that shouldn't be there. 

I called and talked to a Mohela representative and she said the forbearance would be put into place before my payment was due, but it was not. I am just looking to be done with my payments, as all my loans should have been forgiven as I met the pslf criteria.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery Company Alleged Amount owed {$78.00} Account XXXX Original Creditor : 11 XXXX XXXX Original Creditor Information Enhanced Recovery Company XXXX XXXX XXXX XXXX, FL XXXX XXXX Enhanced Recovery Company executed continuous collection calls against me. Spoke with company in XX/XX/2020. I explained 1 ) their company information regarding me was incorrect 2 ) I do not owe money to Enhanced Recovery Company and 3 ) Please stop all phone calls immediately. Enhanced Recovery Company continued with its numerous collection calls. Days later, I filed a disputed with Credit Reporting Agency. Enhanced Recovery Company conducted an investigation. Investigation appeared to have concluded Enhanced Recovery Company was indeed reporting erroneous information. Enhanced Recovery Company supposedly removed their erroneous information from the credit reporting bureaus. However, Enhanced Recovery Company did not remove their erroneous information from all credit reporting bureaus ( this information was deleted from Experian but continues to be be erroneously reported to XXXX  ). As Enhanced Recovery Company 's erroneous information continues to appear and or reappear on my credit report, I continue to suffer damages due to Enhanced Recovery Company continued and erroneous reporting. My credit score is lowered because of Company 's erroneous credit reporting and I have been denied credit due  to Enhanced Recovery Companys ongoing erroneous reporting.
Product: Credit reporting or other personal consumer reports

Below are the inaccurate accounts I found listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX own leasing 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 or other personal consumer reports

XXXXXXXX XXXX XXXX Account Number - XXXX I hereby Dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, Equifax, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and that it is accurate and complete. thank you for your understanding
Product: Credit reporting or other personal consumer reports

I noticed unauthorized credit inquiries on my report and asked that they be looked into for accuracy. These Inquiries remain on my credit report. These were not obtained with my consent. Please reinvestigate and delete immediately. 
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
Product: Debt collection

Received two calls ( with automated messages - no info about the debt ) within an hour on XXXX/XXXX/XXXX at XXXX and XXXX. I have not received any written letters about any debt that I owe.
Product: Debt collection

SUBJECT : Carrington Mortgage I called Carrington Mortgage Services when I received my XX/XX/XXXX bill ( attachment # 1 ) because the bill does not show a late payment date or a late fee amount. I was told that because I file for bankruptcy in XXXX that there is not a late payment date or fee as long as I make the payment before the end of the month. 
On XX/XX/XXXX I received a late notice ( attachment # 2 ). Carrington did not clear the check until XX/XX/XXXX. I also received my XXXX bill with a late charge on, posted on the back, ( attachment # 3 ). I called Carrington on XX/XX/XXXX and I talk to XXXX ( # XXXX ) she said that because the amount and date was not on the bill the late fee would be waived. She also said that even though the amount and date is not on the bill, the bill is due by the XXXX of the month. When I received the XXXX bill again no date or fees for late charge is on the bill. I paid the bill and the check cleared by bank on XX/XX/XXXX. 
On XX/XX/XXXX, I received another late notice ( attachment # 4 ). It was dated XX/XX/XXXX. I called Carrington again and talk to XXXX ( # XXXX ). I told him that the payment cleared before the XXXX. He said the bill is due on the XXXX of the month. I asked how I can receive a late notice dated before the XXXX. He said the real nasty what else can I do for you. 
Since XXXX I have not paid any late payments on any of my debts. This feels like harassments because they send me bills without information regarding a date or amount of past due bills and they send me late notices. I shouldnt have to call Carrington monthly. 

Please Help