23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Comenity bank are harassing me for a debt I do not owe : I made a {$35.00} purchase with XXXX XXXX XXXX in XX/XX/XXXX however I did not receive my order, they were returned to XXXX XXXX for " insufficient address ''. 

After contacting the XXXX  and requesting account closure & a full account credit & for all communications to cease, my XXXX XXXX  account has been closed. However comenity have failed to credit my account for the {$35.00} and are now adding monthly late fees of approximately {$35.00} per month, and continue to call and harass me. 

I have filed a complaint with the CFPB ( ID No. XXXX XXXX to try have the account credited and the communication to cease. I have waited 18 days for a response and in the meantime I am being severely harassed. 

I am receiving calls from numerous phone numbers, I can not keep up with blocking each phone number, and these calls are also on Sunday mornings. 

Today, XX/XX/XXXX I received the following calls : XXXX at XXXX XXXX  XXXX at XXXX XXXX  XXXX at XXXX XXXX  XXXX at XXXX XXXX  " unknown caller '' at XXXX XXXX  XXXX at XXXX XXXX  " unknown caller '' at XXXX XXXX XXXX at XXXX XXXX  I also received a call from XXXX at XXXX XXXX  on Sunday XX/XX/XXXX. 

I am finding this extremely stressful, all in the name of kids clothing that I did not receive.
Product: Debt collection

Company : Meade and Associates. 

Never received documentation of amount owed, or and itemized breakdown. Amount was paid to the original debtor and never removed from collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted XXXX, XXXX and TransUnion about medical collections reporting on my credit report. i did contact the companies in which they did not and would not provide me with any validation of the debt they claim i owed. I am also aware that the company and credit bureaus have not been complaint with HIPPA, and that my rights have been violated under HIPPA.

Additionally i am allowed under HIPPA law TO PROTECT MY PRIVACY AND MEDICAL RECORDS FROM THIRD PARTIES! I did not give XXXX XXXX XXXX permission to release my medical information to a third party! I am aware that HIPPA does allow limited information about me but anything more is to be revealed with my authorization as a patient. 
After contacting XXXX, the company stated the medical debt has been verified but i did not recieve -A VALIDATION OF DATE and HIPPA AUTHORIZATIONS -DID NOT RECIEVE ANY BREAK DOWN OF FEES AND CHARGES, INCLUDING ANY COLLECTION AND MEDICAL COST. 
- DID NOT RECIEVE A COPY OF MY SIGNATURE WITH THE PROVIDER OF SERVICE TO RELEASE MY MEDICAL INFORMATION TO THESE COMPANIES
Product: Mortgage

The mortgage company will not knowledge my payments and keep charging me late payment. They have XXXX dollars of my money that was suppose to go in my escrow account. They telling me I need to send them A bank statement showing them the payment. How can their records not show that. This problem started in XX/XX/2022. They have very shady records. In XXXX they charge me three times late charges. I gave them XXXX dollars in XXXX and told them to put the money into my escrow account. They fail to do it. All this started about A escrow account. Which I was paying my home insurance out my own pocket. until XXXX 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made an agreement with XXXX XXXX XXXX on XX/XX/XXXX to pay a settlement of {$800.00} dollars on a debt of {$1900.00} to XXXX XXXX XXXX. After I make this payment the account would be settled in full. XXXX XXXX XXXX made a payment to XXXX XXXX XXXX , XXXX on XX/XX/XXXX. I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX stating my settlement obligation had been fulfilled - XXXX reference # : XXXX. They told me through account executive XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX : that they were not reporting it to the credit bureaus. It is still being reported to EQUIFAX as an open account. It is lowering my credit score with them because of it still being on their report. I would like this entry promptly removed from Equifax credit report and any other credit reporting companies. Thank you - XXXX XXXX
Product: Debt collection

I XXXX XXXX has sent numerous documents to Wells Fargo and the credit bureaus, proving I am the victim of identity theft. XX/XX/XXXXWells Fargo finally replied to XXXX XXXX after months and months of requests for validation of the above listed debt. We are responding to a few inaccurate assumptions made by them in their verification/ debt validation reply. 

In XX/XX/XXXX I traveled to XXXX from XXXX, did not return to the United States until XX/XX/XXXX. The E-ticket attached proves this point. We believe it is a physical impossibility for her to be in two places at the same time. 
2. Page 4 has a credit card statement ( please see attachment ) For an XXXX XXXX residing at XXXX XXXX XXXX # XXXX XXXX CA XXXX 
3. Page 5 has a credit card statement for the same individual residing at XXXX XXXX XXXX XXXX CA XXXX. 
I have never resided at either of these addresses. Please see the attached utility statement document for proof of residence during that time period. 
I find it hard to believe Wells Fargo would allow a credit customer to have two different billing addresses for the same account. 
I would also like to point out that the Police reports filed, and sent to Wells Fargo did not show either of those manufactured addresses.
Product: Credit card or prepaid card

Called in XX/XX/XXXX To the credit card department after noticing that that there were 4 unauthorized payments made on my credit card from my checking account, resulting resulting in More overdraft fees from truist. ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) After spending about 45 minutes on the phone the representative said there's definitely an issue with my account because my account only exists in the app and it doesn't actually exist on the website so I can't interact with or correct the auto pay that somehow set up on my account and they can not correct it either. When the individual wants to transfer me to the digital operations department they hung up on me and I just couldn't handle the 30 minute wait time to speak to a representative again. 

I have had this account for over 15 years It's really saddening the issues that truest has been causing since the transition. Unfortunately I am in a position where I am forced to continue using this account because my works direct deposit system.
Product: Credit reporting or other personal consumer reports

About a year ago, I found a hard inquiry on my Experian credit report and immediately sent a letter to XXXX XXXX XXXX requesting that it be removed. They have done nothing that hasn't been removed, and they never even replied. Here is where things take an interesting turn : when I pulled my credit reports from XXXX and XXXX, this particular hard inquiry didn't show up in either one of those reports. It is annoying to see this entry on Experian only, and this much is certain : I never applied for any loan with XXXX XXXX XXXX. I seek a resolution to eliminate this inaccuracy from my credit report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : I made the payment on time, as supported by the attached bank statements showing that the payment was processed well before the due date. 
Account Closed : The account was closed at my request, and no additional charges or late payments should have been reported after the closure date. I have attached documentation confirming this account closure. 
Incorrect Date Reported : The date of the alleged late payment does not match the account 's payment history or my bank records, which show timely payments. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing issue regarding charge off accounts on my credit report and to make my fifth attempt to rectify this matter. Despite my previous attempts and providing substantial evidence to support my claim, the charge off accounts persist on my credit report. This continued presence not only undermines my financial credibility but also reflects negatively on the accuracy of the credit reporting system. 

I request that you conduct a thorough investigation into these charge off accounts and take immediate action to remove them from my credit report. It is imperative that accurate and fair reporting is upheld to ensure the integrity of the credit reporting system. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2022 between XXXX and XXXX I went to a ATM machine at XXXX XXXX XXXX XXXX XXXX Colorado and attempted to make a {$5000.00} deposit as my bank is out of state so my credit union referred me to make my deposit at XXXX. 
I put my ATM card in the machine and then inserted the cash, The ATM started making a weird noise and spit {$2800.00} back and kept my ATM card and my cash with no receipt. 
I did not leave that machine, I called my bank they took down my information and assured me I would get my money back and they would give me a previsional credit in the mean time. 
On XX/XX/XXXX I logged into my account and my credit union took {$2200.00} back saying the case is closed and the ATM owner has no record of my debit card ever being used at that ATM, The machine ate my card they have my card, XXXX at Alliant Credit Union says I'm out {$2200.00} I asked if they did a count of the ATM and she said no that the case is closed. Please someone help me. My credit union could care less and when I asked XXXX if there is a chance I would not be able to get my money back she said the case is closed not caring at all.
Product: Credit reporting or other personal consumer reports

My credit report showed that my account was opened again when it was closed after paying off the balance in XX/XX/XXXX. Also, the credit report showed I was 30 days late in XX/XX/XXXX but there was a ZERO ( XXXX ) ) balance in XX/XX/XXXX and the account was closed. The account in question was Raymour and Flanigan. This account was not on my report from XX/XX/XXXX to XX/XX/XXXX. It was closed. It now shows open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed items on my credit report with XXXX  after contacting the collection company. The collection company never sent documents to me proving that I owed them anything. There is not a signed agreement or contract between me and the collection company. There is no cancelled checks. They dont have a copy of my state ID or anything proving that I owed a debt they are demanding that I pay. By law, contracts and or agreements with valid signatures are required to show that someone owes a debt. Bylaw, credit bureaus are required to furnish what they used to validate accounts on our report. XXXX never sent me anything showing how items on my credit report were validated not verified or certified. Their actions and the collection company actions violates the FCRA. I will pursue legal actions against both companies if those items arent deleted from my report immediately. They will be required to pay {$2000.00} for each item incorrectly reported on my account. FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b )
Product: Credit reporting or other personal consumer reports

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

Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Both XXXX and XXXX XXXX XXXX are reporting to XXXX updated information that was previously disputed and removed from my report as updated information for accounts from XX/XX/XXXX XX/XX/XXXX stating information changed in XXXX! These accounts are from XXXX and are affecting my score. XXXX is also reporting information from XXXX and Kimball Tirey St John as updated information that was previously disputed and removed! All three bureaus are reporting 3-5 hard inquiries that were disputed recently and previously that were not authorized by me. So frustrated with this process, I paid repair company 3 years ago to help fix my reports and it is all coming back and I can not afford to hire someone again so this is my attempt to do it myself with zero knowledge of all laws to use against these 3 reporting agencies! I can not get my cars interest rate of 35 % reduced or refinanced, credit cards or loans to have a better quality of life because of all the unfair items being reported. My scores remain between 550-600 for many years now. Please help me
Product: Credit reporting or other personal consumer reports

I contacted XXXX  to handle a situation that occurred XXXX of XXXX  when a payment to XXXX  was returned and it was reported as a missed payment. I took care of it right away where XXXX  received their funds and everything was cool, they reported it as an on time payment. after I told Equifax and XXXX they removed the missed payment and reported it as an on time payment. a few days later i checked my credit report and Equifax and XXXX changed the status again as missed payment I contacted XXXX  again to double check the status of my payment when they had told me that it was 100 % paid on time. I then called Equifax and XXXX to let them know the status and they told me they would handle it but never did. 
i checked my credit report and noticed some inaccurate dates reporting from both Equifax and XXXX I highlighted them.
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX XXXX report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX XXXX XXXX - XXXX Last 4 digit XXXX : XXXX
Product: Debt collection

XX/XX/ 2011 account was closed, reached out to capital one and was told their was nothing they could do because it was charged off.
Product: Vehicle loan or lease

My car was repossessed by Bridgecrest/XXXX  today XX/XX/2022 for payment # XXXX being past due by 12 days. The payment was due to BridgeCrest on XX/XX/2022. The company has falsely repossessed my car stating that I have defaulted on the loan because I missed the First car payment when I didnt miss my first car payment. They are calling it a first payment default. I made my first car payment on XX/XX/2022. No where in my vehicle loan contract does it state that my car would be repossessed for missing a second payment. As of today I am 12 days past due on the second payment and the third payment is not yet due. I offered to pay car payment # XXXX and # XXXX tomorrow, but Bridgecrest refused to cure the loan so that I can clear the default. I did request that as well. I believe their practices as a subprime lender to be predatory and scammers. They took my down payment. They didnt try to work with me at all. Their consumer practices are unethical at the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is reporting that I was 90 days past due in XX/XX/2019. I called Navient several times to modify my loan due to my employement status. I sent the documents in multiple times and they state they never received anything until XX/XX/2019. I also sent certified letters to their office in XXXX XXXX, PA that they stated they never received. My loan was modified and brought current and they have not updated my credit report to reflect this. I supplied all the information several times and they state they never received anything. I have the certified mail that was signed for. I have also read that several other students have had issues similar to mine regarding documents. I want the credit report fixed to reflect current status from XX/XX/2019. I have made several attempts over the past year to try and get this resolved and nothing has been resolved.
Product: Credit reporting or other personal consumer reports

Please see all attachments. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Credit card or prepaid card

I no longer use this card but in XXXX they started charging {$67.00} a month for cash advance fees. They said {$170.00} was taken. Wells Fargo has made their system so that you can not view account data past 90 days now. They also tell me that they can not see specifics. I have paid well over {$170.00} in payments and have paid over my minimum payment. They have made this interest charge ( which they can not verify ) why {$67.00} is an appropriate interest charge monthly on {$170.00}. They keep telling me to try to talk to other departments to get more information. I feel this is unreasonable and that I am being made to accept charges that I cant vet on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was reported that Equifax breached confidential information of its customers because of a hack to their database. 

On XXXX/XXXX/2017, I checked with the website of Equifax, and was informed that my information may have been impacted by this breach.
Product: Mortgage

I am requesting a qualifying review of my mortgage as I am confused by the calculations surrounding my mortgage which was in XX/XX/XXXX modified by my lender under the HAMP modification program. Recently home was appraised and surprisingly is significantly under water with the mortgage. Subsequently no lender will accept my loan and so I can not get loan refinanced. Please request a qualifying review of my mortgage and provide a complete response as to all fees, interest and how they were applied. After paying loan since XX/XX/XXXX when loan was originated and for over XXXX years on time since my modification, I still seem to owe more than what the original loan was for {$430000.00}. Prior to my modification my loan was only XXXX months behind and was payed on time except for the XXXX months I was? behind the fees assessed then made my loan even more behind forcing the bank to file foreclosure on property .I have since managed to make all payments but now I am stuck cant sell the home or refinance the home due to my loan being severly under water even after paying over {$200000.00} since modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : Equifax breached caused the major violation this has taken more than 45 days which is also a violation XXXX charge off was also included in the report
Product: Credit reporting or other personal consumer reports

I have continued to dispute the information from XXXX and XXXX XXXX with the following statement : " I dispute all of the above. Fraud : no evidence I took out a loan or made a payment in XXXX or ever. I never received a bill in the mail, verification of loan documents with wet ink signature, supposed school I attended, etc. Please delete this. '' They used to take it off my report, but it keeps reappearing with these XXXX loan servicing liars putting it back on as a new loan each time. It also used to be XXXX. To this date, I have never received a bill or any documentation from these companies for any fake loans in XXXX they claim I took out. I was never in school at this time. 

Lastly, the XXXX agencies will not allow consumers to protect their identity using a XXXX.
Product: Money transfer, virtual currency, or money service

I would like to file a formal complaint against PayPal. On XX/XX/2020 I used their app, to receive money from a client, I am not a seller. This is a payment for services not for goods. However, this app could not make that distinction. I was not aware of the 21 day hold, apparently this is a PayPal policy that if you are a new customer. I called customer service so I can explain the nature of payment, no agent available. I paid an initial fee of {$3.00} for a {$100.00} payment but have to wait 21 days. It is now XX/XX/2020, hold is over. However, when I tried to transfer this money to my bank account, PayPal is charging another 1 %, or free but have to wait another 3 days. I was looking at the community posts and it seems to be that this is a " systematic '' problem with PayPal ; not able to distinguish between services and goods, charging initial fees, unreasonable hold of 21 days without prior notice before using their service, charging another 1 % when the hold is over and you want to transfer money same day, additional 3 days to get money for free, and no customer service agent available to talk to. I understand that their services are not free, I am willing to pay fees, but not for 21 day hold and additional 3 day hold. Please help us, there are so many of us.