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

Hello, I have been working from home since XX/XX/2020 due to the pandemic. Because of this I had to order more furniture pieces in my house such as a home office, chair, etc. Normally, before the pandemic I was working in my office so this was never an issue. So, when the pandemic happened I decided to order these pieces from Wayfair, LLC. on XX/XX/2020 ONLY because they had advertised at a 0 % interest rate. After 2 months I received a Masters Credit Card from Comenity Bank stating I should activate the card. At the time I thought it was junk mail because I have not carried a credit card in 20 years. I never activated the card, however I am starting to get harassing phone calls from them about making a payment. At that point, I had no clue who they were until when I called and they told me that they are through Wayfair, LLC. I am currently a grad student and I was hit hard at the end of XX/XX/2020 with federal taxes for being a student on top of living paycheck to paycheck. I was consistently making payments to Wayfair/Comenity Bank, balance {$1800.00} but because of taxes being taking out of my paycheck each month it is making it harder to make the payments. I asked Comentity Bank numerous times if they had a financial hardship program. What I am disgusted by with this company and bank is that they are taking advantage of their consumers during a pandemic. They advertised at the start of the pandemic it was 0 % interest rate and now they are telling me that I have a 26.99 % interest rate on this card. I was wondering why my payments and billing was getting higher and higher. I never activated my card but they somehow keep charging me {$40.00} a month for late fees. I have asked them to close my account numerous of times and they have not done so. I have enough stress financially going on. Since the pandemic I had to spend more on my household and food because I am stuck working from home. Please investigate this business because what they are doing is WRONG!!!
Product: Student loan

I have already filed a complaint with them but they don't care. I have been mislead and given false information multiple times over the years with AES. I have now been paying them since 2007 as a consolidated federal student loan as much as i can afford, XXXX in interest at 7.25 %, yet my principal is more than it was when i started. I was told i was on a repayment plan ( by many of their reps ) working towards forgiveness in 25 years. I was also advised to take forbearance when i was laid off, not knowing that would also effect the number of years i had paid in. I was today told i was never on the correct plan for forgiveness. So that is 13 years of payments wasted. I will never pay off my loans before i die. They are deceitful and taking advantage of the public and deliberately trying to extend the life of the loan. Their business practices are simply illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX XXXX2021 I sent a letter regarding inaccurate and unknown things on my credit report.To this day, 60 days later, I have not recieved a response as of today. I am feeling like I am being ignored about my disputes.In Section 611 ( a ) it plainly states if they dont investigate these items within 30 days it gives reason to immediately remove these items from my credit report.It has been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation for the stress you caused me..My information was also impacted by the equifax Data Breach and may have fallen in the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I recieved communication from Equifax that they would not respond to my dispute due to " not being specific ''. Equifax has been contacted by me several times by certified mail and via telephone in regards to their continued illegal reporting of inaccurate information and accounts. Equifax continues to ignore the laws as stated in 15 U.S.C 1681a ( 2 ) ( B ) all while sending corespondence that makes it " appear '' as if they are acting on the best intrests of me the consumer. Equifax has untruthfully stated that theycan not response to my disputes because they dont understand what accounts are being disputed, when in fact they have recieved several written corespondence from me detailing their illegal activity and asking them to " CEASE and DESIST '' in continuing to 1 ). Illegally share information pertaining to me to ANY third party compaines or credit agencies without my consent. 2 ). Continuing to place in their report innacurate accounts and acount information. 3 ). Give a detailed report of how and who verification was completed with. All alleged accounts enclosed in the dispute were also contacted about information being reported. Several of these companies responded and have either deleted these accounts or have no knowledge of the alleged account in their systems. Equifax continues to list these accounts as " verified accurate '' when in fact the accounts have not been verified in accordance with FCRA. Equifax continues to seek information from a third party vendors and not the acutal companie and report information from the vendor as " acurate '' when in fact it is not.
Product: Vehicle loan or lease

They have a problem with their computer website for payments. I went in to make payment and the system showed no payment was due. Showed next payment was due XX/XX/2021 for the {$490.00}, I took a screen shot of this and provide this to them and was told XXXX XXXX would call me back and she never did. This is an on goin problem within the third party site they use and they know this and refuse to fix the problem its nothing but excuses from them. We made the payment for both XXXX and XXXX and XXXX was not even late and they reported that way to all the Credit Companies the wrong information and also confirmed from XXXX XXXX that the payment for XXXX was not late and the the credit companies made a mistake and yet refuses to correct the mistake. We have had nothing but problems with customer service with them and this is not this first time that we have had this issue with the company. I was told the next time it happened to contact them which we did and the still refuse to do the right thing and fix the problem. They don't even have contact information for there website that handles the payment. According to XXXX unknown last refuses to do anything about the problem as well just excuse as to why they can't contact and oh just sign up for auto pay that is not an option as this is not a company we will be staying with not worth the problem of auto pay because they have a big problem with reporting the account current which it is.
Product: Debt collection

I have contacted the creditor/company, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. This account does not belong to me and it coming it out of nowhere.
Product: Vehicle loan or lease

Speaking with XXXX she ensured she would send arbitration agreement where I can opt out of a 3rd party getting my information from Bridgecrest. I have never received this agreement and it is illegal for a corporation to give my information to a 3rd party. I asked for the agreement so I can opt out of a 3rd party including anyone looking to take my car having my information and my XXXX. I spoke with XXXX and she said they dont take a special deposit or any other negotiable instrument except federal notes as payment. If they dont take 1099a, special deposit or any other negotiable instrument where I endorse the bill I am asking that they discharge the debt. I am the director and beneficiary of my legal person trust XXXX XXXX and this is how I want to settle this account. I will also make payments with federal notes if they can provide proof that Bridgecrest was not loaning out other peoples money and if they can provide proof that they provided equal consideration in the contract I signed. I have not received any response and I will gladly settle the charges as soon as they provide whats been asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase credit card states that I have an outstanding bill with them. To the best of my knowledge and record-keeping and documentation, what I have ordered from the website Amazon purchased three ( 3 ) antique copies of the XXXX XXXX XXXX ), I already have paid in full including shipping and handling purchased in XX/XX/XXXX, and PAID IN FULL EVERSINCE. Because I very seldom shop, let alone shopping online, I am not interested in subscribing to Amazon Prime. 

On XX/XX/XXXX, I have received a bill for XXXX-what gives? I sent the statement back with an explanation and a copy of my payment to reflect my PAYMENT IN FULL. on XX/XX/XXXX, I received another bill for {$91.00}! I called Chase at XXXX to question this bill. After being passed around three different people, I finally spoke with a person in the fraud department. This person stated that he would have this investigated, in the meantime, my credit score has gone from XXXX to XXXX. The explanation states the late payment from my Chase credit card, xxxx-xxxx-xxxx-XXXX. 

The resolve I would like to see is the following : 1. For Chase to contact Amazon Prime and correct the error and cease the fraud activity ASAP. 
2. A CORRECTIVE ACTION for Chase to contact all credit bureaus and report this error and correct my score to what it was. My credit score should even be higher now that I have earned more creditworthiness after the current purchase of a home, AND paying my car note in full! 
3. To be provided a CORRECTED copy of my credit report from XXXX, XXXX, and XXXX  as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two credit accounts were opened fraudulently. Navy Federal Credit opened XX/XX/2017. XXXX XXXX XXXX installment account opened XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, 2022 paid last payment to XXXX XXXX. I RECIEVED EMAIL CONFIRMING PAYOFF. I DISPUTED WITH BUREAUS IN XXXX... XXXXTHEY GOT REPLY ON XX/XX/XXXX A MONTH LATER STATING THE DEBT WAS STILL VALID. WHEN I CALLED XXXX  REPS VERIFIED MY PAYOFF. HOW OR WHAT KIND OF PROOF COULD XXXX  SUPPLY INXXXX ON AN ACCOUNT PAID OFF IN XXXX A FULL MONTH BEFORE. CREDIT BUREAU WILL NOT VALIDATE OR INVESTIGATE MY DISPUTE AND TELL ME THAT THEY CANT REMOVE INCORRECT DATA. XXXX HAS TO. THEY DID NO INVESTIGATION OF THEIR OWN. AND RECIEVED NO VALIDATING INFO IN XXXX. THEY JUST TOOK XXXX WORD AND XXXX TOLD ME THEY DIDNT HAVE ENOUGH INFO FROM CREDITOR TO VALIDATE MY DISPUTE. THEY CLOSED DISPUTE... WITH NO VALIDATION OF DEBT AND LEFT ITEM PAID AND CLOYED IN XXXX STILL ON MY CREDIT REPORT AND SAID XX/XX/XXXX XXXX CONFIRMED DEBT... BUT XXXX NOTHING TO VALIDATE DEBT NOR POST XX/XX/XXXX FINAL PAYMENT. CALLED THEM..THEY HAVE NO IDEA WHERE TO TRF ME TOO OR HOW THIS WORKS ... .JUST THAT I HAVE XXXX SAY AND THE COMPANY THAT PAYS THEM HAS ALL THE RIGHTS AND POWER TO REMOVE FALSE DATA ... .THEY CANT DO ANYTHING... .WHEN READ WHt the law says " i dont know... we cant help you... call XXXX ... they put it on ... only they can remove '' im quoting exactly what im told constantl,... so this is a company wide... beaureau wide policy so they can keep charging for reporting even if shown report is wrong. 30 day removal doesnt apply to creditors but let me be 31 days lTe n its on my file... ..NO ONE MONITORS BUREAUS. THEY GET AWAY WITH VIOLATING THE FAIR CREDIT REPORTING ACT HOURLY ... EVERY SECOND... ..CLss action lawsuit is whats needed
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in MyScoreIQ dated XX/XX/23 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed accounts which I believe were reported in error. 


XXXXXXXX XXXX XXXXXXXX Balance : {$4700.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. account : XXXX XXXX XXXX Ohio XXXX XXXX 15 U.S.C 1681 SECTION 602 A. State I have a right to privacy 15 U.S.C 1681 SECTION 602 A It also state a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) SECTION States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should delete promptly.
Product: Credit card or prepaid card

CFPB reference number XXXX Have no option to use Chase Bank XXXX XXXX pay account USA Treasury pay.gov Company ID XXXX XXXX & XXXX Number JP Morgan Chase International Agencies Banking Account Number XXXX XXXX on Hold XXXX XXXX XXXX XXXX on hold XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and have noticed the creditor XXXX XXXX XXXXXXXX XXXX has been reporting inaccurate information such as balance owed, date of last payment, date account delinquency etc. Section 607 of the FCRA mandates that information reported to consumer reporting agencies must be accurate and complete. XXXX XXXX XXXXXXXX XXXX continues to report late payments or fails to update the account status as charged off or written off for profit loss and failing to send a 1099 form. They are violating this requirement by not reporting accurate information. 
Under Section XXXX, XXXX XXXX XXXXXXXX XXXX  must ensure that the information provided to the credit bureaus is accurate, and if the charge-off status has been reported incorrectly, it is their responsibility to update or correct the report. Furthermore, this account with this creditor is in litigation and has reported to the FTC and law enforcement and two police reports have been filed.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 shall ( i ) 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. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Debt was forgiven, confirmation letters received, XXXX received, but lien is still on title. We have asked several times for lien release, we can not get any straight answers, and it is still not done, it has been more than 30 days. Debt was released in 2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : USBK Court XXXX Illinois XXXX # XXXX USBK Court XXXX Illinois XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested removal of inquiries, XXXX XXXX x 2 ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) of XXXX XXXX and XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ; as well as, XXXX from Transunion credit bureau and was advised by XXXX that the inquires are not verified and she can not request validation due to it being over 6 months. In regards to the creditor, afni no validation info will be provided. They verified it was my debt but no actual proof provided
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. Upon reviewing and checking my report I found out that the previously disputed items still appeared on my credit report as a inaccurate. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The company Midwest REcovery XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX  XXXX place me in collection for a dedt that is not mine they Violated the FRCA and the FDCPA they never notified me by writing or phone by law, i want this removed immediately or i will pursue legal action for damaged this is not me i never heard from this company ... I cant believe they put in collection without informing me of nothing
Product: Debt collection

I moved to a different state and got a new phone number ( land line ). this company CBE has been calling ever since I moved in a month ago. I told them this is not the number of the person they are trying to reach, but they keep calling ( several weeks and many times a day ). They told me i had to call my phone carrier and tell them to update some number registry and that they would remove my number. The calls have not stopped, They called 7 times today ( auto dialer- XXXX )
Product: Vehicle loan or lease

I have a loan with Santander Consumer USA, and am behind on my payments due to some hardships. The company has called me 4 times before noon almost every day, with 2 calls back to back within seconds of each other while I'm at work sometimes. It's a harassing tactic and they need to not do that. I'm sure they do it to others too and it's getting me in trouble at work.