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

XXXX XXXX  - I was in the process of placing an online order on XX/XX/2022, when I stepped away for a few moments to find a code for a bonus item. When I returned to my computer, the order had been processed and I was denied the opportunity to enter the code. I then called customer service to complain, and was told I could not add the bonus item, nor could I cancel my order! The person I spoke to was rude when I questioned why I could not cancel my order since I had just placed it ( within 30 minutes )? 
Comenity - XXXX XX/XX/2022, I went to Comenity online to pay the balance for the order I was forced to accept as there was no plausible way to return it without incurring more expense on my part as the order came piecemeal. I thought that my payment was accepted, however, when I noticed a few days later that I had not received a receipt via email, I went online to find that the payment had not posted. I again attempted to make the payment online and it apparently went through. Their records should show my login and attempts to process the payment well before the due date. 
on XX/XX/2022, I wrote to Comenity with my card enclosed and requested that my account be closed and I be sent a final bill. That request was ignored as well. 
I was alerted to their posting to my consumer credit account from XXXX XXXX. It appears that they refused to close my account, and instead added late payment charges and interest and then reported my account as closed in XXXX, 2022, with a balance of over {$300.00} for which they finally sent me a paper bill! I have been receiving harassing robo calls from Comenity ( sometimes 4 per day ) for months now despite having told them on the phone twice that I did not owe them anything. 
It appears that XXXX XXXX is intent on forcing customers to place orders, then has glitches in their online payment system, then proceeds to trump up late and interest charges while refusing to close the account, harassing people by telephone, and then proceeds to destroy one 's credit rating. 
As I have told them on the phone, all I want is the bogus charges and detrimental credit report removed. I will speak to a lawyer before I pay them another dime for an order I could not cancel!
Product: Debt collection

I moved out of apartment due to military orders. The complex was notified ( multiple times ) months in advance with no response until the month of the move out date. Apartment was clean upon moving out. 

After sending them the proper documentation ( military orders ), they still have not removed the account and now are saying there is an outstanding balance due to condition of the apartment after move. I have sent in documentation of the condition of the apartment after I left, including a video. Proving the condition of the apartment was adequate. 

Since I provided my military orders in advance, I am protected under the Service Member Civil Relief Act.
Product: Credit reporting or other personal consumer reports

I am writing to formally address my concerns regarding your handling of disputes I have submitted to validate negative accounts listed on my credit report. Despite my efforts to ensure accuracy and compliance with the Fair Credit Reporting Act ( FCRA ), I have encountered significant issues that remain unresolved. 

I submitted disputes several times, requesting an investigation into the listed accounts to verify their validity. Per the FCRA, this process requires the credit bureau to either validate the debt by providing documented evidence, such as an application bearing my signature, or remove the disputed accounts from my credit report. 

However, both XXXX and Experian claim to have completed investigations and deemed the debts valid. Despite these claims, neither bureau has provided any supporting documentation or evidence to substantiate this determination. Without such proof, I believe the accounts remain unverifiable and should be removed as required by law. 

This failure to provide evidence undermines the transparency and integrity of your dispute resolution process. Furthermore, maintaining unverifiable negative accounts on my credit report has caused unnecessary harm to my creditworthiness and financial standing. 

I request the following actions : XXXX. A detailed explanation of the investigation process and findings, including any documents reviewed. 
XXXX. Immediate removal of any accounts that can not be validated with appropriate evidence. 
XXXX. Written confirmation of actions taken.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX Subject : Dispute of Derogatory Account - Account Number XXXX TransUnion XXXX I am writing to formally dispute the derogatory status of my account with XXXX XXXX XXXX, account number XXXX. I believe this account has been inaccurately reported, and I request a thorough investigation into this matter. 



- **Creditor Name : ** XXXX XXXX XXXX XXXX XXXX Type : ** Auto Loan - **Current Account Status : ** Derogatory - **Open Date : ** XX/XX/XXXX - **Closing Date : ** XX/XX/XXXX - **Payment Status : ** Charge Off - **Date of Last Payment : ** XX/XX/XXXX - **Remarks : ** Charged off as bad debt profit and loss write-off I would like to emphasize that I did not authorize any creditor to send information regarding my account, nor did I receive a 1099-C for this matter. Therefore, I kindly request that you provide documentation that supports the charge-off and the reporting of this account. 

Please investigate this issue and provide me with a written response detailing the outcome of your investigation. I appreciate your prompt attention to this matter and look forward to a resolution. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit card

First complaint to cfpb : No. XXXX ; I paid off my balance minus the late fee charges which added up to {$110.00}, on XX/XX/XXXXXXXX 
I received my XXXX statement, payment due on XX/XX/XXXX. I called CC to discuss crediting the above amount, on the basis that : 1 ) they continue to violate 26 CFR Sec.301.7502-1 : 2 ) They state payments have a 5 day grace period and all my payments have been postmarked before the XXXX and received by them within the 5 day grace period. Yet, they continue to charge a late fee ; and 3 ) The XX/XX/XXXX statement states a late fee of {$27.00}. The XX/XX/XXXX statement states a late fee of {$38.00}. No proper Notice was sent/communicated to me prior to the increased fee. 
On XX/XX/XXXX, the CC, account manager, " XXXX XXXX, stated I have no right to dispute the late fees, therefore there is no procedure for disputing late fees. This is contrary to the paragraph labeled, " Conditional Payments '' on the back of the statement, in small print. 
Account manager gave me a " one-time credit of {$38.00} '' and I paid the remaining {$100.00}, which includes approximately XXXX XXXX, for 2 undisputed purchases. 
I am a XXXX  citizen, living on a fixed income, paid on a specific date each month. I have no car. I have requested a change in my due date because of my once a month pay date. They have refused. It is impossible to schedule 2 rides-to my bank and to an XXXXby the XXXX, when I receive my income on or about the XXXX. I don't even have the cab or uber fare until the XXXX. So for my sake and all Seniors similarly situated, i.e : on a fixed income, please pressure ChaseXXXX to refund my XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I need the hard Inquiries off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car accident in XXXX of XXXX that led my car being totaled. XXXX XXXX knows of everything. They have my account as open when its supposed to be closed and sent out to collections. This is causing my account to constantly be dinged as 120 days past due. I have provided gap coverage from the contract I signed when getting the car. They didnt satisfy the loan so they have sent me through so much troubles to get this off my report. They have garnished my checks which is really a pain because I dont have it. They are fraudulent crooks. They have no reason having my account as an open installment still.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX Transunion LLC XXXX XXXX XXXX XXXX, PA XXXX Date XX/XX/XXXX To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name And Addresses XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute : Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request : I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Checking or savings account

On XX/XX/21 I noticed a pending transaction on my Chase banking account for a wire transaction of {$2600.00} through XXXX. I never once received a fraud alert on this said transaction. I called Chase immediately and reported the fraudulent transaction. On XX/XX/21 I received a message from Chase saying that the transaction was processed and no funds would be restored to my account. I called Chase and asked what this was about. To which they said that they were not able to recover the money from the transaction and that I would have to contact XXXX directly to dispute the charge with them to try and get my money back. Which signifies that Chase recognizes that this was a fraudulent transaction on my account, but refuses to do anything about it. So Chase who boasts about their fraudulent alerts on their website, not only did they not catch this largely suspicious transaction, but now I have to do their work for them and hope that I get my {$2600.00} back.
Product: Mortgage

XX/XX/2016, we received a postal notice from Specialized Loan Servicing , LLC, located at XXXX XXXX XXXX. XXXX . XXXX, XXXX XXXX, Colorado XXXX, that their company had purchased my primary mortgage, and we were to stop making payments to the previous company that had held the mortgage. The notice said that we would receive information about how to make payments, and that our monthly payments would not change from the previous company 's amount. By XXXX XXXX, we had not received an identifiable account number, statement or payment book, so we twice called the number on the postal notice. However, we were unable to get past the automated messaging system, which requested an account number. This request was not satisfied, evidently, by inputting the number on the original notice, nor by inputting my social security number. We waited for a statement or further payment instructions. By XXXX XXXX, none had arrived. We went to the SLS website and attempted to set up a payment account to make online payments. Again, both my social security number and the number on the original notice turned up the statement in red that the system did not have an active account for me on record. We took a screen shot of this notice and have attached it to this complaint. Then, on XXXX XXXX, 2016, we received a XXXX delivery of a packet containing information about applying for a U.S. Government Hardest Hit Fund that is NOT LISTED as available in my state, and forms to fill out for foreclosure on my property to send back to SLS. Buried on page XXXX of this multi-page packet was a statement that I was delinquent in one or more payments to SLS, a company that had never made it possible for me to make a secure and traceable payment toward a stated amount. That same day, XXXX XXXX, 2016, I immediately tried again to telephone SLS. This time, my call was routed by automated system to a " different office '' that gave no useful information. I kept trying until I was offered an option to speak to a person in a department called Customer Resolution. The woman who answered asked why I was calling SLS. I told her that I had received a XXXX statement that I was delinquent in one or more payments to SLS when SLS had never sent me a bill, had never acknowledged online that I had an active account with them, and had never made it possible for me to register to make secure payments. She immediately hung up in my face, without another word.
Product: Credit reporting or other personal consumer reports

sec. 605 15 usc 1681C - FAILURE TO REMOVE DISCHARGED DEBTS - After a debt has bee discharged in a bankruptcy it should be removed from the from the consumers credit report. Failure to do so within responsible time can be a violation of the FCRA.

Reporting company has not removed discharged debt accounts from my credit report since conception of discharge even after receiving discharge notice from the state. 
Accounts listed in discharge are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The only accounts that should be on my credit report is XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2022 I was informed that XXXXXXXX XXXX XXXX XXXX, a Senior Loan Originator with Cardinal Financial Company , Limited Partnership | NMLS XXXX that my driver 's license was required in order to extend a loan to my father, who goes by the same name, when I was not involved in the loan transaction. XXXX XXXX indicated that because my father had briefly used my address to receive mail, CFC 's underwriters assumed that the property I own was my father 's property. On the call with XXXX, I informed him that I believed that asking information of a family member not related to the loan transaction and threatening to cancel the loan over it, did not seem correct. Due to the large number of potential damages my dad faced if the loan was cancelled, I, under duress, provided private information, such as my license, to XXXX XXXX via e-mail. 

It is my belief that CFC 's underwriters or XXXX XXXX would not have asked the information of a landlord of the same name, and only requested the information based my familial connection to my father.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ).

Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment..

Account 1. XXXX XXXX XXXX ( Acct Opened XX/XX/XXXX ) Months showing Late XX/XX/XXXX, XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis has been reporting information to the credit reporting agencies without my written consent. I contacted the bankruptcy court and they did not release the information to them. My rights have been violated by LexisNexis and XXXX  and my reputation has been damaged as a result of their false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate the time of Credit Bureaus to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that they have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sense that the remaining account XXXX XXXX XXXX Balance {$0.00} needs proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of this account.
Product: Debt collection

I am receiving calls in error. I have told the company they have the wrong number but they continue to call. I gave them my number and was told they would not call but they continue to call and threaten me with legal action. I am not the person they are calling for and do not know the person they are calling for.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up to my previous complaint that contains these disputed items : XXXX  XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance XXXX {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/2022 Please remove the listed items for they are mistakenly placed on my credit report
Product: Debt collection

I received a notice from Synergetic Communication Inc stating their client XXXX XXXX XXXX placed the account with their office for collection. Notice stated that I owed a balance of XXXX to XXXX XXXX XXXX, but they would resolve my account if I paid XXXX by XX/XX/2020. I have never had an account with XXXX XXXX XXXX and believe this is a scam. I have filed a complaint with the FTC as well as with the XXXX. I also disputed the debt in writing to both Synergetic and XXXX. During these trying times, these companies should be put out of business for trying to intimidate and scam people into paying money they do not have. I challenge our government agencies to put these despicable people out of business!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract - any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account, I expect to see an original proof of the accounts that Im listing below XXXX XXXX XXXX account : XXXX {$1800.00} comments : Not mine XXXX XXXX XXXX account : XXXX {$330.00} comments : Not mine XXXX XXXX XXXX account : XXXX {$0.00} comments : Not mine XXXX XXXX XXXX account:XXXX {$0.00} comments : Not mine XXXX XXXX account : XXXX {$330.00} comments : Not mine XXXX XXXX account : XXXX {$0.00} comments : Not mine
Product: Credit reporting or other personal consumer reports

I recently discovered that my personal information was used without my permission to open accounts and/or make unauthorized transactions. I did not authorize these activities and have not benefited from them in any way. I suspect my information was obtained through breaches as I was apart of multiple. 

I am submitting this report to document the theft and ask for help in resolving the fraudulent activities associated with my identity.
Product: Credit reporting or other personal consumer reports

11th REQUEST!!!!!! 

I received a hard copy of a letter dated XX/XX/XXXXXXXX  from XXXX XXXX XXXX ( Compliance Specialist ) from XXXX XXXX XXXX XXXX XXXX. Whereas they are reporting me being excessively late on my credit report several times, the letter ( on their letterhead ) states that I was ONLY LATE ( 2 ) times -- XX/XX/XXXXXXXX  and XX/XX/XXXX. I have written to and called your company several times ( each month since XX/XX/XXXXXXXX  ) to get this resolved and NOTHNG has been updated. This account ( although paid off now to avoid further reporting errors ) is still showing up on Experian and XXXX as a POTENTIALLY NEGATIVE status. I have pleaded with your company to investigate this matter and get this deleted ASAP!! Please note that XXXX XXXX has a history of reporting fraudulent information to their customers ' credit reports as publicly noted within their website reviews. In desperation, I even wrote the President of XXXX XXXX for assistance with no resolve, to date.
Product: Mortgage

Select Portfolio Servicing company keeps raising our house payment claiming escrow shortage when there should not be. House payment has almost doubled since these crooks bought our mortgage. Have had to do loan modifications to be able to afford the payment but this time they keep asking for the same documents over and over. I've sent them everything they've asked for 5 or 6 times and they continue to ask for the same things. This is a predatory loan company doing illegal things to people with their escrow shortage scheme.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and noticed some Hard Inquiries that I do not recognize. Here are the Hard Inquiries below. 


XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX 34 POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$26000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Status Account charged off. {$25000.00} written off. 
Status updated XX/XX/XXXX Original balance {$26000.00} Monthly payment - Last payment date XX/XX/XXXX Company sold XXXX XXXX XXXX XXXX Original creditor - Comments Purchased by another len Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 15 U.S. CODE 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft.not later than 4 business days after the receipt. 
ACCORDING TO THE " FAIR CARES ACT '' YOU ARE VIOLATING MY RIGHTS AS A PROTECTED FEDERAL CONSUMER
Product: Debt collection

XXXX XXXX FKA XXXX {$780.00} XX/XX/2019 This account is an result of identity theft. I have reached out to this company several times. No result can you please help in this matter.