23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I shopped in XXXX, XXXX, at XXXX where I have been a cardholder since XXXX. I have never been late with a payment - ever. Received the bill- {$44.00}. XXXX pair of shorts. The day the bill was received, a check was written and mailed the next day to Comenity Bank. Apparently the check never arrived. I received cellphone call from an irate woman at Comenity Bank, letting me know I was late with payment and this wasn't acceptable and I needed to pay right then. I double checked my checkbook for the check number and date of mailing. I let Comenity know this information, and was told " so your check got lost in the mail. That isn't going to help ME, is it? '' I then immediately wrote a second check for {$44.00} and mailed it that day. In the meantime, I have called Comenity every day to ask if they have received either check # XXXX or check # XXXX. No far, as of this writing, neither check has been cashed. Today, I received another Talbots bill ( before all of this happened, I'd purchased XXXX belts online ) and a {$30.00} late fee was added, on that {$44.00} pair of shorts. My husband, an attorney, got on the phone and spoke with someone at Comenity. She agreed to drop the late charge. Then she asked to speak to me, at which time she reprimanded me like a child and warned me I was going to be watched for XXXX  months for any other late payments, and if there were any, I could lose my Talbots card. Because of this issue, I returned the belts without even unwrapping them. Even though I returned the belts, I sent a check to pay for them. So- if the Bank is honest, I will expect to have a credit with Talbots. I intend to cut up both my Talbots and XXXX  cards. I will never use a card issued by Comenity Bank again. I am XXXX years old and I have NEVER MISSED A SINGLE PAYMENT ON ANY CREDIT CARD, EVER. A {$30.00} late fee on a {$44.00} pair of shorts???? When the payment had been sent in good faith- just as it has since XXXX. Today the woman from Comenity said " using the US Postal as an excuse is unacceptable to us. '' I am in the process of warning every woman I know about the hazards of using a credit card issued by Comenity Bank. Already I have received a reply that XXXX woman will never use those cards again ... .hoping more will do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

A random inquiry appeared on my credit report. I contacted Equifax several times to inform them, it was not my acct. They never removed it
Product: Money transfer, virtual currency, or money service

Hello PayPal closed my account for no reason. I have done nothing wrong and have tried countless tones to talk with paypal about this issue. Ive received no help only copy paste responses. I have funds on my account that they are withholding without any good cause. As I again have done nothing wrong. The email associated with my paypal account is XXXX. My name is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Fraudulent Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FTC Identity Theft Report reference number XXXX
Product: Credit card

I paid for a set of seats on a XXXX flight on XX/XX/year> and those seats were never attached to my reservation and thus the service was never delivered by the airline- the airline confirmed to me that their billing system had issues and they couldn't attach those seats to my reservation. I had to pay for the same seats again and requested a chargeback from Chase for the initial transations- for which the service was never delivered by the merchant. Chase refused my chargeback requests claiming : " the results of our investigation confirm that the transactions are valid and no billing error occurred on your account. ". 

I sent them detailed explanations again and reopened the chargeback request and asked for details of the investigation that they performed. They never provided me such details and yet still refused to grant the chargeback requests even though I never received the service I paid for.
Product: Credit reporting, credit repair services, 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 corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I began working with my husband in XX/XX/XXXX at his business, and he would pay my expenses through his checking, usually his Bank of America account. 
That is how it has been until XX/XX/XXXX. We separated to divorce because he sold my daughter medical XXXX and she was arrested for having it. He has been threatening he will stop payments in text messages since XXXX - if I left. 

Bank of America is reversing all payments he made on my behalf. 
I now face almost a year of bills in the past 2 weeks. With more to come I am sure. 
Every payment that was made is now reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several erroneous items on my credit report both online as well as via US mail, however Experian maintains that they will not duplicate an investigation if you have previously disputed these items, however they are wrong and I should not be penalized as a consumer to have erroneous information stay on my credit report because Experian refuses to re-investigate. Additionally, they do not provide a way for consumers to dispute unauthorized inquiries on their own credit report.
Product: Debt collection

I didn't even know about this collection until it appeared on my credit. I received no notice or validation for this debt. I sent a debt validation letter and it was received on XX/XX/XXXX. I never received a response.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed these letters certified mail to you and i have yet to receive A WRITTEN RESPONSE!!! MUST I PURSUE LEGAL ACTION!!!!?? 

XXXX XXXX XXXX XXXX Remove my items immediately or face legal action
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on credit reports, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to address serious inaccuracies on my credit report. It has come to my attention that accounts listed on my report do not belong to me, and I have never been involved with the activities these accounts suggest. This is not only an unjust representation, but it is also deeply concerning as I have never authorized or made any of the actions associated with these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX applied for a new auto loan after her vehicle was totaled in a car accident in which the other party is at fault. The credit union sent her a denial letter stating that she had poor performance with them when in fact she had made every payment on time on her vehicle until her vechicle was totaled and the insurance company and XXXX insurance did not cover the remaining costs of her vehicle. 
The credit Union falsely reported that she had a garnishment or judgement which is also false. She has no judgements against her. The credit union used information against her they received on a non member, using that non member 's information without his consent. There was a judgement but that was against a man who is not a member of this credit union and thus his information was compromised by this credit union to harm him as well as XXXX XXXX XXXX XXXX contacted the credit union and the credit union refused to act so here we are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being fraudulently charged for a stolen water cooler by XXXX and Collection Bureau of America. The item in question was reported stolen when I learned it had not been collected by XXXX driver ( XX/XX/XXXX ) even thought I moved in XX/XX/XXXX. XXXX told me they would remove the charge ( XXXX was the representative 's name ) at the same time I reported the people who bought my home were illegally using our account. I provided proof that we had moved. I cancelled my account online, and left the cooler outside with our empty bottles the day we moved in XX/XX/XXXX. I disputed this with XXXX in XX/XX/XXXX and the response was simply that this account belongs to me. I should not be charged for an item that was stolen after we no longer owned or occupied the home and was left to be collected by XXXX with other items.
Product: Debt collection

This company is psychopathic in nature and continues to call, harass, mail, and collect on a debt that I do not owe. They have contacted my daughter repeatedly via text and refuses to validate the debt as accurate. I don't verify my information over the phone and never will. They have also threatened to sue and/or face jail time.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX 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 XXXX XXXX XXXX. 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 60 days to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 XXXX
Product: Credit card or prepaid card

I received a digital letter from Lowes/Synchrony that my credit limit was being lowered to {$100.00}. Due to a XXXX credit score, Lack Of Real Estate Secured Loan Information, No Open Bankcards In Your Credit File, Balances On Accounts Too High Compared To Credit Limits And Loan Amounts, Delinquent Or Derogatory Status On Auto Accounts Is Too Recent. 
This is my true info : Total Accounts 34, 18 open accounts / 16 closed accounts. On-time payment history 100 %, 0 late payments, Excellent Rating. Derogatory marks 0, 0 collections / 0 public records, Excellent Rating. Credit card usage 13 %, Good Rating. Credit score over 750.
Product: Bank account or service

Wells Fargo Bank opened a fraudulent saving account for me without my authorization, charged my checking account unnecessary fees, intentionally and fraudulently put my account into negative status and charged overdraft fees constantly.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX. XXXX Balance : {$3200.00} XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023
Product: Mortgage

I completed a re-fi in XX/XX/XXXX. The lender transferred the servicing to AmeriHome Mortgage. Three months after my re-fi, my home owner 's insurance policy was due. AmeriHome failed to make the payment although my hazard is escrowed. I contacted AmeriHome about the missed payment when I received notice from my hazard insurer that the policy was now past due. I was informed on a Monday by AmeriHome that the payment had not been submitted but would be overnighted. I contacted AmeriHome the next day to learn that the payment had NOT been overnighted as promised. I was told for a second time that the payment would be overnighted that very night. I called again Wednesday, and still no payment was overnighted. Wednesday is the cancel effective date. AmeriHome lied twice to me, failed to make a timely payment for my hazard insurance, and thus, caused me to have to pay out of pocket for the hazard policy for a two month period to keep the coverage ongoing until AmeriHome can get their act together and submitted the late payment. My hazard insurance agent contacted AmeriHome on 4 different occasions to obtain payment ; however, AmeriHome failed to hold up to their responsibility in ensuring payment of escrowed items.
Product: Debt collection

I 've already filed a complaint once against IC Systems. Case # XXXX - they removed this from my credit then added it back. I 've contacted both IC Systems and XXXX XXXX XXXX and neither of them have an account for me. I again am asking the IC Systems remove this from my credit. The way I was talked to and harassed with phone calls is not the way to collect any type of debt and I will not be paying them or XXXX XXXX XXXX due to they were very unwilling to help me on their end with an arrangement I could afford. I again will ask this be removed from my credit report. Thank You.
Product: Debt collection

ON XX/XX/XXXX RECEIVED LETTER FROM XXXX XXXX , XXXX ABOUT DEBT FROM LVNV FUNDING, LLC. RESPONDED WITH A DISPUTE LETTER TO VALIDATE DEBT, RECEIVED NO RESPONSE ON XX/XX/XXXX RECEIVED LETTER FROM RESURGENT CAPITAL SERVICES REPRESENTING LVNV FUNDING, LLC RESPONDED WITH A DISPUTE LETTER TO VALIDATE DEBT WITH MY SIGNATURE THAT I OWE. THEY DIDN'T VALIDATE DEBT. 
ON XX/XX/XXXX RECEIVED A LETTER FROM XXXX  XXXX XXXX XXXX XXXX. REPRESENTING LVNV, RESPONDED WITH DISPUTE LETTER TO VALIDATED DEBT, RECEIVED NO RESPONSE. 
ON XX/XX/XXXX RECEIVED ANOTHER LETTER FROM XXXX XXXX XXXX STILL REPRESENTING LVNV. RESPONDED WITH A LETTER ASKING AGAIN TO VALIDATE DEBT. 
ALL OF THESE COMPANIES ARE AFFILIATED AND HAVE BEEN INVOLVED IN A CLASS ACTION SUITE IN THE STATE OF NEW JERSEY. 
THESES COMPANIES HAVE HARASSED ME IN A THREE MONTH TIME PERIOD.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Product: Credit reporting or other personal consumer reports

Transunion does not provide copies of my credit reports. I was denied a VA loan because Transunion did not provide a copy of my credit report. XXXX, web bank denied me credit because they said my application does not match the information on my Transunion account. 
Whenever I contact transunion by phone I can't get past the security questions. I purchased the transunion credit monitoring and still having the same problems.
Product: Credit reporting or other personal consumer reports

My account with the company and i 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 MONTHS REPORTING LATE 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. 

This company 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: Bank account or service

Citizens Bank is overcharging its customer with overdrafts fees. Every time you transfer funds from your overdraft line of credit to your checking account to cover a draft, you must pay {$12.00} per transfer per occurrence, 18 % annual interest rate on outstanding balances and {$30.00} annual fee.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXXXXXX Balance : {$4900.00} ; XXXX XXXX XXXXXXXX Balance : {$4700.00} ; XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXX XXXX XXXX XXXX : {$4100.00}.
Product: Mortgage

I filed a complained to my mortgage service co on their web site about the Escrow Disbursement of {$2700.00} XX/XX/XXXX due date XX/XX/XXXX which was not showing to whom it was paid. Already all the taxes and insurance paid is listed. I did received the email from them receiving the complaint on XX/XX/XXXX The only response Till now I received a letter dated XX/XX/XXXX stating the matter has been referred to the XXXX XXXX , XXXX as owner trustee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint concerning the fraudulent information being reported on my Credit Reports. The last letter I sent to the Credit Reporting Agencies was on XX/XX/XXXX, accompanied by complete attachments of my personal information. I am a victim of identity theft and have duly reported the theft to the FTC. The disputed items have no connection to any transactions I have authorized or benefited from as a result of the identity theft. As per Section 605b of the FCRA, it is the obligation of the Credit Reporting Agencies to remove any accounts and information listed on an ID Theft Report. According to Section 605B ( a ) of the FCRA, the CREDIT REPORTING AGENCIES are mandated to promptly block any information in the consumer 's file that the consumer identifies as resulting from identity theft, within four business days of receipt. The items listed below are direct consequences of the identity theft, and thus, I am requesting the Credit Bureaus to adhere to the law and remove them from 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 XXXX XXXX. As you are undoubtedly aware, under Section 611 of the FCRA, it is your responsibility to ensure that the information contained in credit reports is accurate and up-to-date. I have fulfilled my obligation by bringing these inaccuracies to your attention. It is now your obligation to investigate and correct these errors within 30 days, as required by law.