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

XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX with Comenity Bank card. The Transfer of a XXXX XXXX XXXX XXXX XXXX was supposed to be converted into a XXXX XXXX XXXX. The XXXX was opened for a 50 % of the Down Payment ( the other 50 % was supposed to be put on another card under spouse name ) The full amount was placed on the newly opened XXXX XXXX  under my name. In which I did not know about so I filed a fraud claim. after several calls and emails to the XXXX company with no response & still to this day no conversion on the two accounts. We are still paying for two separate accounts maintenance fees. 
After, all of that I called Comenity Bank - on XX/XX/XXXX. I made a large payment of {$2400.00} in order to keep the card current and my spouse and I credit good. 
Comenity Bank CLOSED the XXXX without any notice or awareness via phone call or email. 
Comenity Bank closed my XXXX XXXX XXXX account and said it was a charge off. 
I did contact Comenity Bank when I was made aware of the charge off after receiving an email from XXXX XXXX and XXXX XXXX on XX/XX/XXXX - in which Comenity Bank said there was nothing I could do. And to call back on XX/XX/XXXX to apply for another card. I feel their practice was unfair and it made my credit score drop over 12 points. 
Please help consumers like myself : by Informing XXXX of their unfair acts Hold them accountable for their unfair statements of due to the down system you will be informed in one week, to one month to it's now a new year and we just heard back and made arrangements with XXXX representative. 
As for Comenity Bank - I have been current with payments and still am a good consumer BUT Comenity Bank has Branded Me as a Bad consumer that due to their bad business my spouse and I are suffering with a Bad Branded Name. 
Please help me Respectfully, Credit Score Points dropped low - after trusting the Commenity Bank and XXXX XXXX XXXX XXXX of XXXX California
Product: Credit reporting, credit repair services, or other personal consumer reports

Report says I owe a {$13000.00} debt of which I paid about {$12000.00} of 27 days ago. 

It still says I owe {$13000.00} and I am trying to get an apartment. This is an issue. I only owe about {$980.00} now and so this is inaccurate. 

Ive already filed a dispute as well. No help there.
Product: Debt collection

I have a collection on my credit report by a company thats on the FTC debt collection banned list.
Product: Credit reporting or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number #, has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting ActI
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, somebody opened a dispute against my Experian credit report. I did not open this dispute. I was actually on vacation at the time. 

Later that same day, Experian settled the dispute. Which is suspiciously fast. My credit score was lowered. 

I have contacted Experian twice asking for more information. I've gotten the runaround each time. 

I have contacted Experian twice asking them to remove the dispute and restore my credit score. These requests have been ignored.
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit. I feel I was negatively Impacted, hurting my chances at credit after receiving a response to my earlier disputes that the accounts were " VERIFED ''. XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX Bank # XXXX, XXXX Bank XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX,, XXXX  XXXX # XXXX
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Discover regarding the unjust closure of my Discover it Cash Back Credit Card account and the denial of my earned rewards. 

In XX/XX/XXXX, I signed up for the Discover it Cash Back Credit Card, attracted by the promotional offer of XXXX XXXX XXXX, which promised a match of all the cash back earned at the end of the first year. I used the card and made on-time payments every month. However, on XX/XX/XXXX, approximately XXXX weeks before the end of my first year, my account was closed without any prior notice or acknowledgment. 

When I asked about the status of my rewards, Discover 's support chat confirmed that I had " earned XXXX Miles from XX/XX/XXXX, to XX/XX/XXXX, and that these miles were added to my rewards balance on XX/XX/XXXX. '' This information was also reflected in the " XXXX XXXX '' section on Discover 's website. However, these miles were never credited to my account. 

When I contacted Discover to ask about the missing miles, I was referred to their Terms and Conditions, which state that rewards will not be matched for accounts that are closed. However, the same Terms and Conditions also state that Discover will credit the account or send a check with the rewards balance if the account is closed or unused within 18 months. Despite this, I never received the credit or a check for my earned rewards. 

It appears that Discover was aware of the substantial rewards I was due and made a decision to close my account to avoid awarding the miles I had earned. Throughout my time with Discover, I maintained a good XXXX XXXX, made timely payments, and responded to all confirmations. There was no reasonable justification for closing my account, especially when I had been a model customer for nearly 11 months. 

I signed up for this card specifically because of the first-year introductory promotion, and Discover 's actions have deprived me of the rewards I earned. I am seeking the Consumer Financial Protection Bureau 's assistance in resolving this matter, as Discover has been unhelpful in both chats and phone calls. 

I have chat conversations saved starting XX/XX/XXXX and will provide screenshots in the attachments. I called a supervisor later that same day to try and resolve with issue with Discover. I let them know I would file a complaint with the CFPB if we could not resolve between the XXXX parties ; I also made them aware in the chat that I would go to the CFPB. The supervisor said she would forward the request to Headquarters and that I would hear back soon. I never heard back from Discover. 

I am owed the rewards that I earned during the first-year promotion, and I hope the CFPB can help ensure that Discover XXXX their commitment. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Payday loan, title loan, personal loan, or advance loan

They've made it extremely difficult to make payments and repay the loan. Almost every other company I've worked with and obtained loans from, I can make multiple payments to pay towards my loan. However, this company limits your amount to only the monthly amount. Then at around XXXX XXXX  or so it will combine this month 's past due with upcoming due and it won't allow you to pay any other amount. When you do make a payment it won't allow you to make another payment for a couple of days. It seems to make it as difficult as possible to repay. I understand we should be making the minimum monthly payment ; however, with things as they are, they make budgeting extremely difficult. Because they don't allow payments to be made at different amounts I can't prepay small amounts to meet the minimum amount and by the time I've saved enough they combine next month and I can't make a payment until the new doubled amount. So they double the payment. How will I ever pay it off if they continue to do that. I think that's predatory behavior.
Product: Credit reporting or other personal consumer reports

I have information on my credit report that does not belong to me. I have been a victim of identity fraud. Here are my FTC reports. 


Equifax report XXXX ( Original Creditor : XXXX ) XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$370.00} XXXXXXXX XXXX XXXX XX/XX/XXXX {$0.00} chargeoff XXXX report XXXX ( Original Creditor : XXXX ) XXXX XX/XX/XXXX {$2100.00} XXXX XXXXXXXX XX/XX/XXXX {$550.00} chargeoff XXXX XXXX XXXXXXXX XX/XX/XXXX {$370.00} XXXX report XXXX XXXX XXXX XX/XX/XXXX {$0.00} chargeoff XXXX XXXX XX/XX/XXXX {$550.00} chargeoff XXXX XXXX XXXXXXXX XX/XX/XXXX {$370.00} inquiries XXXX XXXX XXXX XXXX Personal Loans Companies XX/XX/XXXX Equifax XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX personal XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Product: Checking or savings account

My account and card was hacked. Over XXXX dollars was taken from my account. I filed a dispute. Within 2-3 days they closed the dispute. They didn't even do an investigation. Turns out the company is a gambling company. The transactions are coded as merchandise, not gambling. So if Chime would have done a real investigation, As required by law, they would see this transactions aren't only fraudulent but theyre illegal. 

I even asked for the documents they had that showed how I was at fault. They never sent them and I keep getting the run around. I don't know what to do and I really need help. Chime is breaking the law and stealing from me. I hope the person who " investigated '' these claims is moved to another job. He's caused me great pain. His supervisor should also not work for a bank. This is not fair. 

The dispute # is XXXX = XXXX Dispute # XXXX is XXXX = XXXX Also coinbase. Someone stole my identity. On this one they ruled XXXX of them were not my fault but one was? I didn't do any of these and never got any thing for over XXXX dollars worth of money spent. I got no service or product. And chime just doesnt care. 

Dispute # XXXX is XXXX = I was charged multiple times for XXXX XXXX XXXX of XXXX should be credited to my account today.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX and Equifax data breaches, and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Debt collection

This is not my debt!! This is due to Identity Theft, I have already contacted this agency several times to remove this account from all three credit bureaus as well as cease and desist all collection efforts. I plan to seek litigation against this agency as well as the creditor due to the effect this has on my credit and will seek punitive damage.
Product: Credit reporting or other personal consumer reports

LEAD BANK XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX THIS {$340.00} DEBT IS NOT MINE. I REPEATEDLY REQUESTED FOR ORIGINAL DOCUMENTATION I SIGNED THAT SHOWS I AGREED TO THIS NONE HAS BEEN PROVIDED. 

IM FILING A LAWSUIT THROUGH MY LAWYER AND TAKING LEGAL ACTIONS. 

REMOVE THIS DEBT IT IS NOT MINE I NEVER AUTHORIZED OR SIGNED FOR IT>
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is TransUnion. We tried to apply for a lease with XXXX. They use this service. We were told that we couldn't get the lease because TransUnion said we had no credit history. This is not true. I logged on to their website. The only information available were for accounts and mortgages we had paid off. There was no detail. There was no history of our credit card payments which is excellent. We have XXXX XXXX XXXX via XXXX. You have to have at least a XXXX credit rating to get the cards. 

There were no details about the mortgages we have had - always paid on time. We feel as if we are being punished for paying off debt. 

This company is painfully lacking information that should be the credit reports. 

Terrible!!!
Product: Debt collection

On XXXX I received a call on my cell phone from XXXX ( FMA Alliance ). It was marked SPAM and I ignored the call. At around XXXX pm XXXX, a collector named XXXX XXXX ( sp? ) from FMA Alliance called my XXXX son, who is XXXX XXXX, on his cell phone while he was at work and she asked for me. He texted her information to me. I returned a call to the number above and spoke with XXXX XXXX ( sp? ) who explained that they were trying to collect a debt that they bought from XXXX XXXX XXXX, XXXX who had acquired it from XXXX for XXXX XXXX 

On XXXX I sent a certified Cease and Desist letter to XXXX, Their Successors and Assigns. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX was delivered on XXXX at XXXX am EST to XXXX, XXXX. XXXX XXXX, XXXX, OH XXXX. Eventually their calls stopped and apparently they failed to include my letter in my file when selling it to their " Successors and Assigns '' XXXX XXXX XXXX. and then to FMA Alliance.
Product: Credit reporting or other personal consumer reports

Personal Information Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXXXXXX XXXX, Employers : XXXX Employers : XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Payment XXXX  XXXX
Product: Checking or savings account

On XX/XX/23 i went to deposit an instrument issued to me, by the direction Georgia 's Attorney General ( with his signature and department seal on it ). Not only was it not accepted, but when information was given and asked according to federal codes and regulations he could not refute and chose to launch a personal and potential life threatening attack against me. This being a bank he intentionally broke and violated the banks obligation that it agreed to with the federal reserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely resolved : TXXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

on Saturday, XXXX XXXX, 2016, I called Conns at XXXX and advised the person who answer ( no name ) that I had become unemployed and was unable to make the payments. She asked me when I would like the merchandise to be picked up. I asked if Conns had a lien on the merchandise, such as a UCC filing. She advised that she did n't know. I told her that before I went any further, I wanted to consult with my attorney. Immediately after I said Attorney, the original phone person dropped from the line and I was then speaking with XXXX XXXX. I advised XXXX XXXX that I was unable to make the payments due to unemployment. I then asked what the terms were on my account, more specifically, the interest rate. He said that because I was late, the original 0 % was gone and interest had accrued from the original date of purchase. I asked again, at what interest rate. He said something like {$700.00}. I said, this is not a interest rate, I need to know what my interest rate is. He said 21. I said 21 what? he said 21 %. I said 21 % per what period. He was unwilling or unable to answer this question, only to say I would have to pay all the interest. Again I asked, At what rate. XXXX XXXX said XXXX. I asked " 27 % per what? '' attempting to find out the terms. XXXX XXXX again said " 27 % ''. To which I asked " 27 % per what, per month, per year, per day? XXXX XXXX, you can not just say a number without a time frame. Interest is calculated over time. Am I paying 27 % per month or per year? ". Again he only said " XXXX ''. I then asked him what the APR is. He said " your interest rate is 27 % ''. I replied with " that was not my question. What is the APR I am paying to Conns. He again said " XXXX ''. I asked " XXXX per what ''. He then said " XXXX XXXX, your interest charges are going be be at least {$700.00}. ". Again I asked " at what rate ''. Finally it was clear that XXXX XXXX and Conns was acting in bad faith and not wanting to disclose my APR to me. I still have no idea what the rate is that they are requiring me to pay. The conversation ended with XXXX XXXX indicating that Conns wanted to come pick up the appliances. I ask again if they had a lien on the appliances. XXXX XXXX became very curt at this point. I told him that I thought I should talk to an attorney before continuing the conversation. At that point he demanded payment and offered to post date a check. I advised XXXX XXXX that I no longer felt comfortable in speaking with him and ended the call. I simply want to know if Conns has a lien on the property and what my interest rates are, as the did not provide this information at the time of the purchase. I need this information to present to my attorney for a possible bankruptcy filing, which I disclosed to XXXX XXXX. This is a nightmare. Conns calls my cell phone all day and night, but is unwilling to tell me the terms so I can decide how to move forward. Thank you for the help and sorry about the long rant. - RN
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$89.00} XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$8600.00}
Product: Money transfer, virtual currency, or money service

On XXXX I have conducted the payment in the amount of XXXX USD from my account with XXXX XXXX account of XXXX XXXX XXXX Company opened with XXXX XXXX XXXX  XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX, XXXX  XXXX XXXXas designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.
Product: Credit reporting or other personal consumer reports

This morning, I noticed that my credit report has unauthorized inquiries, and I'm completely at a loss. When I checked my report, I found unexpected discrepancies that I didn't see before. I even tried refreshing my browser to rule out a glitch, but the unauthorized inquiries still show up. Im frustrated and insist that the documents I sent be carefully reviewed so that I can have peace of mind.
Product: Credit reporting or other personal consumer reports

I recently sent you a notice of identity theft for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You failed to block and permanently delete these accounts within 4 business days.I am now exercising my rights in accordance with 15 USC 1681 for a reinvestigation. You shall provide to me : 1. A description of your reinvestigation procedure, including name, department, and authority of person contacted.

2. Certified proof that I gave the company consent to furnish the account transaction.

3. Certified proof that I gave you consent to report the account on my credit report.

4. Proof that you have reviewed and considered all relevant information submitted by me.

5. Your reasonable procedures to prevent the reappearance of the information in my file.
Product: Debt collection

My XXXX reports show a {$4500.00} report on XXXX XXXX 2014 by MED DATA SYS And made my account negative. I do not owe any money to them. It is an is an identity theft. XXXX has been accepting alot of those collectors without verifying if i owe anything and my information is correct. Most of the collector info have about me does not belong to me.
Product: Checking or savings account

Continued when I get to the bank there are about XXXX men thre who are looking like XXXX XXXX  there and they get hostile when I ask anything so I can't go to that bank further from the XXXX of XXXX to present a ssi deposit was given to m and t bank and they won't give me the deposit of about {$840.00} and they wont give me no info about this they told me I need to not be XXXX, anymore, be a XXXX and do not be XXXX, and date their women in their bank who usually date XXXX XXXX 
All they have to dois tell me whether they have the deposit or not as states ssa told me they could not end the deposit so m and t bank has this deposit tell them that to release the check and send the check to me or allow me to get the check and also send me a statement immediately and me and the ceo office can't resolve the matter so there is no need for them to email me and this end the dispute with m and t bank I know that ssa sent m and t bank the check because they told me.