23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

subject : Urgent Complaint Regarding Unresolved Billing and Payment Dispute for Tempur-Pedic Mattress Purchase Dear Recipient, I am writing to formally file a complaint regarding the unresolved billing and payment issues with my XXXX XXXX XXXXXXXX purchase from Mattress Firm, made in 2022. At the time of purchase, I had a great credit score and followed the advice of a XXXX XXXX customer service representative to set up automatic monthly payments in order to pay off the balance within the XXXX promotional period and avoid deferred interest charges. 

After receiving my bill, I promptly set up the automatic payments, believing I was adhering to the agreement. However, after 24 months, I received a notice indicating that my balance had increased. While I was expecting to have approximately {$900.00} remaining, I was shocked to learn that I still owed over {$3900.00}. I immediately contacted customer service, but despite my efforts to resolve the issue, the representative was unhelpful and unwilling to find a fair resolution. 

As a result, this bill has now been sent to collections, and I am facing significant personal and professional consequences. I am currently serving in the XXXX XXXX as a Private First Class, and I have been notified that my position XXXX be in jeopardy if this credit issue is not resolved promptly. Given my limited pay and existing financial obligations, this situation is placing an enormous strain on my ability to secure my position in the military. 

I respectfully request that your office investigate this matter and help facilitate a resolution. I am seeking a correction of my account balance to reflect the original terms I was promised, and assistance in ensuring that this issue does not further affect my military career and financial stability. 

Thank you for your attention to this matter. I am in urgent need of assistance, and I look forward to your prompt response and support in resolving this issue. 

Sincerely, XXXX, XXXX CELL XXXX
Product: Bank account or service

I submitted a complaint to you ( case # XXXX ). The bank responded that I needed to send an original copy of a trust a agreement. I sent them the agreement. They have not responded and will not return my phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/XXXX To whom it may concern : I would like to file a complaint against Comenity Capital/XXXX, as well as, a collection agency by the name of XXXX XXXX XXXX XXXX XXXX. 

Comenity Capital has deceptively charged off a credit card account, and sold a false fraudulent collection amount of {$360.00}, to the above named collection agency, in my name. 

The account ending in XXXX was paid in full several times, but Comenity Capital kept adding false fraudulent late fees, and charges to the account, thereby refusing to allow me to pay off the balance I owed to close the account. 

As my attached statement shows, I owed Comenity Capital {$62.00} as my total balance on the account in question as of XXXX of XXXX. 

I made payments to Comenity Capital in the amounts of XXXX, XX/XX/XXXX, ( Confirmation # XXXX ), as well as XX/XX/XXXX I paid {$36.00} ( Confirmation # XXXX ), these two payments were more than enough to pay off what I owed to the account. 

What Comenity Capital has done, is to continue to add a {$39.00} loan sharking fee, along with finance charges, to a false past due balance that they have created on the account, and have ran this balance up to the {$360.00}, that they have falsely put my name into collections for. 

I am attaching a copy of my credit report, and on the report you will see that they are not showing the true information as to how they have come up with the false fraudulent balance that they are trying to make me responsible for, the {$360.00}. 

For starters, when you look at my credit report you will see that in XX/XX/XXXX, they are falsely claiming that I owed {$91.00}, when in actuality as the statement that I have sent in with my complaint shows, I only owed them {$62.00}, and as stated Ive paid them all of what I owed to them. 

I would like the Consumer Financial Protection Bureau fully involved in my complaint, both Comenity Capital, and XXXX XXXX XXXX can contact the Consumer Financial Protection Bureau, the Bureau can contact me. 

I want Comenity Capital Bank, and XXXX XXXX XXXX, to cease and desist from contacting me again, about their fraudulent debt. 

XXXX XXXX XXXX just took it upon themselves to slander my credit without verifying this debt first, they just went and took the word of Comenity Capital Bank without contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like my personal information on file to all credit bureaus be updated correctly : Update my address. 

Update ny name. 

Update my employment. 

I've reported these issues and they are still being ignored incorrectly over and over and over again. 

I do not wish to have any telephone numbers on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to review the complaint regarding the credit report. Nelnet continues to furnish a series of late-payments. Accounts with beginning with one through five with a series of inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I review my updated credit report, I realized that the same accounts were erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX : {$300.00}, XXXX XXXX XXXX Balance : {$690.00}, XXXX  XXXX XXXX  XXXX XXXX Balance : {$5700.00}
Product: Credit reporting or other personal consumer reports

Company, Capital One has refused to comply with federal law and consumer laws violating my rights as a consumer. The company has violated my privacy rights under The Privacy Act of 1974. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). Congress advises any of my private information is not for public. Capital One has violated federal and consumer laws According to 15 U.S. code 6801, It is the policy of the Congress that each financial institution those that have extended lines of credit have an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 U. S. code 6802, follows by adding that, a financial institution may not directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice. A company must provide XXXX disclosures before information can be exchanged and the customer must agree first. The financial Institution must conspicuously disclose to the customer in writing or in electronic form that such information may be disclosed to such third-party. Capital One has no permissible purposes, According to 15 U.S. code 1681, of this inquiry on my consumer credit reports. The reporting status of the account is " Charge off ''. According to the IRS Publication charge-off accounts are considered " Certificates of Indebtness '', which means it is income and must be removed. Income can not be reported to a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

In 2018 my mortgage was sold to roundpoint mortgage from XXXX I recieved a letter saying my first payment to the new company starts in XX/XX/2018 so thats what I did in XX/XX/2018 I started paying online. A few months later I get a letter from roundpoint saying im behind so I call and they pull up my account and they seen all the payments they then said Im good and they dont know why I got the letter. I kept making online payments and I kept getting calls saying no payment was recieved so I called again they then tell me Ditch has not released any payments and that all my payments was paying the back amount I then had to send them a year of bank statements proving I was never behind with XXXX they then tell me my account is under review and to keep making my payments so thats what ive been doing. Now they are saying Im over XXXX behind on payments but when I call they pull it up and see all the payments. From day one ive had issues with roundpoint they cant seem to get anything right Ive looked on the XXXX  site and there is XXXX of complaints about the same thing please tell me what I should do so I dont lose my house.
Product: Credit reporting or other personal consumer reports

I have unauthorized hard inquires on my credit file. 
Companies that need to rectify this issue are as follows. 

XXXX XXXX ( bank ) dateXX/XX/XXXX XXXX ( finance ) dateXX/XX/XXXX XXXX XXXX XXXX ( finance ) dateXX/XX/XXXXXXXX XXXX XXXX ( finance ) date XX/XX/XXXX XXXX XXXX XXXX  ( bank ) date XX/XX/XXXX
Product: Consumer Loan

Kays jewlers misplacsed XXXX dollars in payments the payments were made in store. Never applied to the account. They are now contacting friends and family members not even on the account trying to collect payment for funds they misplaced
Product: Student loan

To whom it may concern, I hope you are doing well. I am here to complain regarding the the time its taking to get a refund on my student loan payments ( ~ {$4000.00} ) from EdFinancial. Although I understand plenty of people are requesting refunds, I called on XX/XX/XXXX to request a refund. I followed up the following week of XX/XX/XXXX if the refund process has been started. I asked for an ETA from them but I was not given one.In fact, I filed a complaint through the CFPB on XX/XX/XXXX to get a response from the lending company. I plan to call on XX/XX/XXXX to check on the process. A refund shouldn't take longer than a month since I am aware of people who are getting their refunds faster than I am.
Product: Debt collection

The day that my credit score was impacted, I called XXXX to dispute the charge. They instructed me to call Transworld systems. Inc. I called Transworld systems Inc. and requested proof. I requested all of my bills from XXXX and they said they would send them and have never sent them.
Product: Student loan

I was told that my co-signer could be released from my loans if I made 12 consecutive payments, now Im being told I have to show proof that Ive XXXX  from the XXXX. I also did an application from the loans to be discharged or forgiven when XXXX had it approve through courts and I still havent heard anything back from that. Some of the loans was charged even when I withdrew from the XXXX  because of personal matters. My private loans are getting paid and interest is still adding to them.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  # XXXX XXXX  # XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

BBVA Compass has gone above and beyond to ensure that they have caused fraud in every single way possible. First of all their bank opened two checking accounts in my name which I did not approve nor accept, Secondly after these were opened they opened 3 Fraudulent credit cards. I then get a call which I didn't answer, I go up to their branch to see what this is about and they rudely tell me Enterprise " Fraud Management '' XXXX to be specific has decided to end " My Banking Relationship '' This is after I chose not to provide them with my identification, nor with my SS Card like they asked AFTER THEY APPROVED THE FRAUDULENT CARD. Not only were their fraudulent charges on the fraudulent cards. I finally asked someone about these cards they told me there was a block and they couldn't issue me any cards nor tell me much about them until I sent my identification in. Well of Course CARD Fraud Department was super rude, the lady told me I needed to send this in order they would be blocked, She wouldn't send me a letter requesting what information they wanted of course. Instead she sent a threatening letter explaining they viewed a credit report, Which again wasn't listed that they determined to closed the blocked fraudulent cards. Now to me, another thing I found out is they are letting a XXXX  which I have never been associated with FRAUDULENTLY CHARGE THE FRAUDULENT Checking accounts and attempting to say I owe it. I do not own those accounts, and I do not owe the accounts. I will not be paying their credit cards because I did not authorize them. I was this bank investigated for their practices and the way they fraudulent charge customers, the way they allow fraud to continue and instead of assisting the customer forcibly don't assist the customer. They attempt to blame the customer and are very very very rude customer service. I have never experienced that rude of service in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Representative kept saying Drive Time didnt pull your credit file. It didnt come out of nowhere.The company was very rude as I stated to them a inquiry appeared on my credit file from XXXX that negatively impacted my score as well my file with a hard inquiry. Stated they wasnt removing anything and it was nobody else to talk to. Representative kept trying to be smart mouth and argue with a consumer. The inquiry occurred XX/XX/2021 and they pulled my credit file for hard inquiry.
Product: Debt collection

This has been on my credit for over 7 years. After 7 years it 's supposed to drop off of my credit! .... plus I have no idea what this is even from. I have had lots of fraud on my social security number. Even the IRS has contacted me about this.
Product: Debt collection

On XX/XX/2020, my sister had messaged me saying that she had received a phone call from a lawyer looking for me and that I was a suspect in a crime. My sister called me and we spoke about this also. She said that the woman said her name was XXXX and she was looking for me because my name was put down as a suspect for a crime committed. I called the number that called my sister and immediately I was asked to verify the last four of my social. I do not even know who I am speaking to, I told the woman. She stated her name and said she was a debt collector and was calling about my debt, which is wrong in amount, to XXXX. I told her the amount was incorrect during this phone call and she did not seem to care. I filed a complaint with XXXX, also. I explained to her my circumstances and I explained to her also that XXXX promised to reduce my owed debt to my original debt of {$1000.00}. She did not care. I also asked why she was calling my family and lying about who she is claiming that she is a lawyer and I am a suspect in a crime. She did not have much to say to this. This violates Section 807 of the Fair Debt Collection Practices Act. She also never informed me, like every debt collector has to, that I have 30 days to dispute the debt. After speaking with her and getting nowhere after telling her my circumstances, my dad calls me and tells me the same thing. That a lawyer called looking for me because I am a suspect to a crime. Then my grandmother had said that the woman called her also, claiming to be a lawyer on the voicemail and said she needed me or my lawyer to contact her to settle the matter. This is in total violation of the FDCPA. This woman was rude, and she has harassed my family and lied about who she is and what she is calling for. If this woman making false representation does not get taken seriously, I will be taking further action also. XXXX sees all and knows all.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I disputed the information provided by XXXX XXXX XXXX on my report with Transunion on XX/XX/21. 

On XX/XX/21 Transunion investigation results : Information provided by XXXX XXXX XXXX were " VERIFIED and ACCURATE '' On XX/XX/21 File complaint with CFPB ( Complaint ID XXXX ). Complaint were sent to XXXX and XXXX responded back all in the same day. 

Results of complaint with CFPB : Incorrect and inaccurate report on my credit report by XXXX  were removed on XX/XX/21
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my 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 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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , XXXX  information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.
Product: Debt collection

Got a call from a collection agency wanting me to pay a debt that I didnt know about, but I investigated it and it had been on there for a long time but I didnt fell like it was mine because I have never taken out a payday loan in my life. Collection agency kept calling and I wanted this gone so we settled on {$3000.00} and I payed it in one payment and that was 2yrs ago and its still on there. I willing to do whatever to get this off of me. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

6. I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ****** ( copied from AFFIDAVIT attached ) *****
Product: Debt collection

After reviewing my credit profile on XXXX i identified a discrepancy with account listed under XXXX XXXX and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/XXXX  and the account continues to reflect on my credit report and i have not received any correspondence from creditor to validated this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/23 there have been no updates and account is still reflecting on the report. I do not believe the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account and the from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct