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

Early in XXXX I began to receive mail through the XXXX saying I was behind in payments for my XXXX Account associated with my address of XXXX XXXX in XXXX, FL. I contacted them and told them I HAVE NEVER APPLIED FOR AN ACCOUNT WITH XXXX. FURTHERMORE I HAD NEVER LIVED ON A XXXX XXXX IN XXXX, FL. I have owned my own home in XXXX XXXX, FL since XX/XX/XXXX. Equifax began to report this account as delinquent a little bit after they were hacked. I was successful at removing the initial account but now it is with XXXX XXXX, and I have informed them that the account was a fraudulent account and is NOT mine. I have disputed this account over and over with Equifax. It IS NOT my account. I have NEVER lived on XXXX XXXX in XXXX, FL. I want this removed immediately.
Product: Credit card

Avant has charged me different late fee charges on the card.Thy took XXXX off after the XXXX limit was used. Thy called everyday 2 to 3 times a day if u 1 day late.I have gotten XXXX in fews since having the card in XXXXThy only adding late payments because I said ithy harassing me.My voicemail is full now from Avant.. I asked Avant to fix my account it wont let me make a payment online. Even now when u make a payment it say the payment decline.And it will take the money later, after it say defined.Thy still havent fixed the problem
Product: Vehicle loan or lease

We had an insurance claim due to an accident and the insurance company issued a check to my name and the lenders name together. The lender told us to send them the check so they endorse and send back to the mechanic shop to pay for the repairs that were completed and they are coming up with new reasons everyday why they cant send it back. We called the insurance company and they told us that the check has been cashed and we called the lender with no luck. The mechanic shop is threatening to sue us now and we dont know what to do Our lender is Santander consumer USA Our insurance is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$270.00} Balance updated XX/XX/XXXX Original balance {$0.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your FICO Score XXXX. 
Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Open Account Payment summary 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 PAYMENT HISTORY LEGEND Status - Status updated XX/XX/XXXX Past due amount {$270.00} Original balance XXXX XXXX  Monthly payment - Additional XXXX XXXX XXXX Account XXXX XXXX Company sold - Original creditor - Comments COLLECTION ACCOUNT Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency sthall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permission to XXXX to place the inquiry for PENTAGON on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX  on XXXX XXXX XXXX  on XX/XX/XXXX I asked them to remove their credit inquiry from my credit profile. I also asked them to ease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Product: Debt collection

Keep receiving numerous calls from Bison Group - " wanting to ask questions regarding XXXX '' ( my son ). " What is your relationship to XXXX '', " What is the current mailing address for XXXX '', " Where does XXXX work '', when I refused to give any info gave me an attitude then said " I will contact another relative '' - then proceeded to call and leave messages with his dad, his sister at college, his girlfriends mother, his girlfriend -- guess these show up as possible relatives on a XXXX search/social media. Asked where girlfriend worked- all kind of crazy invasive questions. Wont stop calling all of these people who have nothing to do with XXXX financial life even if XXXX did have outstanding financial obligations to this company which he does not. Rude, deceptive people who are out to trick people
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX  Transunion and XXXX  have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Listed below are the XXXX that are being challenged XXXX  - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the XXXX that are being challenged XXXX  XXXX NA - XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting or other personal consumer reports

Request for Explanation Regarding Charge-Off Reporting I am writing to address a significant concern regarding the reporting of a " charge-off '' on my credit report. According to the IRS, a charge-off is treated as taxable income for the creditor, as it reflects a forgiven debt. However, credit reporting agencies have explicitly stated that income is not reported on consumer credit reports. 

This contradiction raises the following critical questions : Why are charge-offs being reported on my credit report when they represent taxable income that, by your policy, should not be included in credit reporting? 
How can a charge-off, which implies income for tax purposes, be simultaneously treated as a negative item on my credit report? 

I am requesting a formal explanation regarding the legal and procedural basis for reporting charge-offs in this manner, as it appears inconsistent with the guidelines set forth by the IRS and your stated practices. 

If this reporting is deemed incorrect, I would like to immediately remove the charge-off from my credit report to make sure it's in compliance with the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 

Please respond to this inquiry within 30 days, as required by federal law. I expect a detailed explanation, along with any supporting documentation or legal justification for reporting this charge-off.
Product: Credit card or prepaid card

My XXXX Credit Card which is managed by Comenity Bank was closed without warning. I was also not given any written notice of any kind. I have called their customer service twice on XXXX XX/XX/2022 at XXXX and XXXX pm. twice. Each agent I have spoken to would not provide any information and each one hung up on me when I requested a supervisor. I have either requested reopening of the account, an itemized explanation of why this account was closed and settlement of this debt for less than the amount.
Product: Credit reporting or other personal consumer reports

ACCOUNTS ARE NOT MINE XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX {$480.00}
Product: Mortgage

we have had a mortgage with SPS for XXXX  years. Originaly we paid our property taxes ourselves. About XXXX  years ago SPS offered to escrow to pay the taxes and we decided to do it. Each year they have paid our property taxes in the 2 required payments ; once in XXXX and in XXXX. There has been no problem with it. our payments are made on time and there is always enough money in the escrow account. SPS paid our first half of taxes in XX/XX/XXXX but did not make the XX/XX/XXXX payment. We were alerted in XX/XX/XXXX by XXXX XXXX. We called SPS and after a couple of calls, i was assured this would be taken care of. XX/XX/XXXX we received a certified letter from county that not only had the tax payment not get made, the county sold our taxes at auction. There are fees and penalties as well. We called SPS right away and sent them a copy of the letter. We were assured that this would be taken care of and that they were putting in tasks and escalating them. Over XXXX calls over the next 4 months and they still have not paid our delinquent taxes. I have spoken with about XXXX people. Each person agreed that the error is on their end and that they would put in tasks for escalation but nobody has taken ownership to get this fixed. We ended up having to just pay off the mortgage in full. That was a XXXX weeks ago. i did call and confirm that they received the money. we also pulled our money from savings and paid the taxes, including the penalties and fees, and paid it ourselves to protect our property. i emailed them a copy of the receipt. Also during their process of tasks an escalations, they put in a dispute which impacted our credit score -they reported that we were disputing our entire mortgage and that dropped our credit score XXXX points!! they owe us all of our escrowed money which is about {$4500.00}, {$350.00} for the penalties and late fees, {$200.00} for having to consult an attorney and good faith reimbursement for the time and frustrations they have caused. they have cost us money, peace of mind, anxiety, impact to our credit score, frustrations. They are not operating in good faith and have misappropriated our funds.
Product: Credit card

On Wells Fargo Credit Card ending in XXXX, Wells Fargo canceled paper statements, then send Fraudulent Charges to the Credit Card adds False payments over due, then after making a payment messages are sent stating an over payment was made, this has happened twice then Wells Fargo iT changes the payments and states, " it's an overpayment made '' I have put both Wells Fargo Credit Cards on " Freeze '' and Wells Fargo still sends payment notices, then lowered the XXXX after cyber security wire transfer. Wells Fargo continues, to change Bank Account settings, with out notice or permission
Product: Credit reporting or other personal consumer reports

I sent a dispute to the company on XX/XX/year> through XXXX. I did not receive a response from the company.
Product: Bank account or service

I 'm having a problem with capital one bank they are supposedly to be doing a fraud investigation on XXXX of my accounts and yet it 's been almost a month and no one is giving me updates about my accounts and each time I call them they give me the run around on my account status and not giving me a straight answer plus on top of that I tried to open another account in the same bank and they are holding my tax refund check which is not related to my XXXX accounts that they are investigating. This is the XXXX bank that is just putting me in debt. I just assume they are doing some wrong like with XXXX the XXXX bank I had done business before and now capital one. So can you please resolve this for me.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Comenity Bank regarding what I believe to be deceptive billing practices that have severely impacted my financial situation. 

In or around XX/XX/year>, I made a purchase using a promotion offered by Comenity Bank that provided 24 months of interest-free financing. To ensure I remained compliant with the terms of this promotion, I promptly set up an auto payment for the minimum amount due on my account. My understanding was that this would cover my obligations related to the promotional offer. 

Approximately one year later, I made an additional purchase using the same promotion. I assumed that my auto payment settings would continue to automatically cover the minimum amount due, as I had previously established. However, to my shock, I was recently notified by XXXX XXXX that one of my accounts had exceeded the credit limit. Concerned, I contacted Comenity Bank to investigate the issue. 

During my conversation with Comenity Bank, I was informed that their billing system does not automatically adjust auto payments when new purchases are made. This means that even though my obligations were increasing, my auto payments remained tied to the original amount I set up, which led to an unintentional failure to cover my balances over time. I was further told that the auto payment option I selected is based on a specific amount, despite the label indicating it was for the minimum payment due. This information is alarming and highlights a lack of transparency in their billing practices. 

If Comenity Bank 's claims are accurate, I believe I should have been charged a late fee when I failed to meet the adjusted minimum payment amount a year ago. Such a charge would have alerted me to the fact that my financial obligations were increasing. However, I never received any communication regarding changes to my payment amounts or missed payments, despite making payments of {$5400.00} over the past 24 months. 

Overall, I find it deeply concerning that Comenity Bank has not taken responsibility for this situation. I have never missed a payment, and I have actively stayed engaged in maintaining my account in good standing. The lack of notification about the increase in my minimum payment and the inability of their auto payment system to reflect my new obligations feels intentionally deceptive. 

In light of these issues, I respectfully urge the Consumer Financial Protection Bureau to investigate these practices at Comenity Bank. It is imperative that financial institutions adhere to fair and transparent billing practices to protect consumers from potential exploitation. If such practices are indeed part of a larger scheme to defraud customers, action must be taken to hold Comenity Bank accountable. 

Thank you for your attention to this matter. I look forward to your response and any guidance you can provide on how to proceed.
Product: Consumer Loan

Chrysler capital wrongfully repossessed my vehicle on Monday XX/XX/2016 it 's now XX/XX/2016 my car is paid untill XX/XX/XXXX but I have yet to get it back .... i am XXXX they are aware of this so my son is on the loan with me to take care incase something should happen. So all my basis are covered. They said they can not compensate for XXXX or loss of wages due to their error. My XXXX plates are in that vehicle and other sentimental items. No Picasso or anything but priceless to me. And being that I 'm pacific time and they are on central time I have to get things started early to get no where ... I 'm so confused frustrated my health is declining I 'm XXXX and XXXX for all XXXX that I 'm under .... Please help me!!!! They knew i am XXXX they know they are in the wrong and yet they still do n't do anything to help my situation!!! Please contact me at XXXX my name is XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 1 MONTH / 30 DAYS to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
ALL ACCOUNTS ARE HIGHLIGHTED IN CREDIT REPORT SUPPLIED IN ATTACHMENTS 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 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 item 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 n
ot 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 or other personal consumer reports

Experian, Account Name : Child Support Nebraska Account Number : XXXX Date : XX/XX/2024 Delete immediately in current litigation for Fraud. I rescind and revoke any and all authorization signatures previously given to Child Support Nebraska to share, transfer, assign and sell my private and personal identifying information to third party and non-afflitiates including CRAs. Fraud was committed on this account please remove immediately, due to pending litigation. 
Failure to comply with this demand may result in legal proceedings being initiated against Experian and Child Support Nebraska for fraud and misrepresentation for this account. Internal Regulations and Business as Usual do not qualify as substantive legal defenses. Any attempt to malign account without a demonstrative notice of dishonor or certificate of protest will be treated as commercial slander. Only a written signed affidavit with a notarized signature will be accepted for Thank you, XXXX XXXX XXXX Authorized Representative
Product: Credit reporting or other personal consumer reports

I'm writing you again for the fourth or fifth time about this matter and I want give up until this matter is resolve. I have sent you all the information and I have attached this in my complaint.In regards to the FCRA 5611 15 U.S.C 16811. I didn't give no-one to take my information so therefore you are invading my privacy. therefore you should deleted this information from my credit report. 15U.S.C. 1681 sec 602 a states I have the rights to privacy. 15 U.S.C. sec 604 sec 2 also states a consumer reporting agency can not furnish an account without my written instructions. I'm sending it again showing everything more clearly. Please look into this matter and remove this information from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, OneMain Financial ran my credit a total of 3 times consecutively. I did not authorized these inquiries and I want them all removed. I have disputed them with XXXX  and they refused to remove them. I want proof of authorization for these inquiries and if this can not be produced I want them all removed.