23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

COMENITYCAPITAL/XXXX did a hard inquiry on my XXXX Report without my permission. I have 0 affiliation with them. I have not authorized them to perform a hard inquiry on my report. This is fraudulent.
Product: Credit card or prepaid card

I needed XXXX XXXX that costs {$6400.00}. The company told me about a no payment, no interest for 12 months financial assistance program. I applied because I couldnt afford the XXXX XXXX and was on Social Security XXXX and needed the XXXX XXXX to return to work. Turns out that the program was a Wells Fargo credit card that could only be used for the purchase of the XXXX XXXX. Also, there was no no payment feature. It took me 8 months to catch up on late penalties and as soon as I got on track, I was hammered with a {$900.00} interest charge for the first year on top of accruing future interest. There is little to no assistance for XXXX XXXX purchases and XXXX benefits for them are laughable.
Product: Debt collection

The year of XXXX during the pandemic I received notification that there was a change to my credit report, when I checked my credit report I noticed that a collection was placed on my report from Southwest Credit System which caused my credit score to drop I reached out to the three credit reporting agencies to file a fraud complaint and I was told that an investigation was underway 30 days later the collection was removed. A year later Southwest Credit System sold the debt to another collection company XXXX XXXX again I had to depute this collection and for the last XXXX years I have been dealing with this same collection. And XX/XX/XXXX Southwest Credit System rebought this debt and put it back on my credit report causing my credit score to drop an damaging my credit history I have never had XXXX and I want this collection of my credit report indefinitely or I am going to sue this company. They need to provide me the original contract and date and time this account was opened by me, with my physical signature.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXX, AND XXXX 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 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 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. 

XXXX, XXXX XXXX, XXXX, AND XXXX 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: Credit card or prepaid card

An unauthorized Amex card was taken in my name XX/XX/XXXX and a balance of {$640.00} was run up. I have notified Amex via certified service several times. The first letter sent out XX/XX/XXXX XXXX Tracking XXXX signed for by, XXXX MAIL ROOM. 
The second letter on XX/XX/XXXX via XXXX tracking XXXX signed for by, XXXX FRONT DESK. In both cases, they failed to respond within the 30 day period of time required by law and was a Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). They were also put on notice of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. I further included a notarized copy of my Identity Theft Victims Complaint and Affidavit. As of today they have never responded nor acted to my requests.
Product: Credit card or prepaid card

Checked my XXXX XXXX account and noticed 2 hard inquiries for credit cards I did not apply for. Apparently theyre from Citibank ( cbna ) and XXXX   XXXX, I did not apply for these, secondly, this is weird because what if someone out there is using my identity for other things. This matter needs to be investigated immediately!! Because I did not do this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has me at fault for an accident which is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit, I noticed 2 accounts reporting from XXXX XXXX XXXX. Subsequent to noticing these accounts, I sent over validation of debt request to this agency for accounts : Account- XXXX {$700.00} Account XXXX {$670.00} I was not sent validation of debt from this company. As a consumer I then disputed this account with Equifax on dispute confirmation # XXXX, on XX/XX/2019 I received back the results of this dispute and the collection agency stated on these 2 accounts that the " The information you disputed has been verified as accurate. '' As a consumer I find this peculiar because the collections agency was unable to validate the debt. I then sent the credit reporting agency request outlining my rights as a consumer under 15U.S.C 1681, FCRA 611 ( a ) ( 7 ) in this letter I requested that the credit reporting agency send me a complete description of how this account was validated. I requested to names and contact information for whom the reporting agency spoke with, as well as a copy of all documents provided to them from the collection agency to which they are still reporting. I received nothing but a generic letter that basically stated the very same thing that the erroneous dispute did, just that the account was verified. As a consumer I am following up on my next course of action which is to file a complaint with you in regards to this issue in hopes this will get resolved and I do not have to move to the next step of filing a lawsuit which I completely intend to do as these accounts are having a negative effect on me as a consumer and these accounts are in error and the credit reporting agency is not following the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the year XX/XX/2016 I was a victim of a scam, and I say victim because I was part of it. My son was XXXX years old at the time was given a check by mail from a person claiming to be a legit company, by mistake and not knowing what I know today, I deposited that check into a Bank of America account that I had open at the time and the check ended up being fraudulent. I had no idea things like this could be faked and as I did a little investigation, it turned out that the check came from XXXX. The account was closed and I was treated like the biggest criminal that has walked this earth, I was told by the bank manager at the time that my record was going to be ruined and that no banks were going to want to open another account for me because of this one mistake that was unintentional because I had never done anything like this in my life, as I looked thru my XXXX report, I see that there is a suspected fraud activity being reported by Bank of America which has been haunting me because I have not been able to get ahead in life because of this only one mistake that I did not having the knowledge that I have today. The date that this was reported was in XX/XX/2016 and until this day it is still on the XXXX report. The information that I have is very limited, the XXXX#: XXXX  / XXXX, it has a closure status of unpaid, and this is not correct because Bank of America never cashed that check so no money was ever given to me, I do not owe Bank of America anything and they are reporting this to XXXX like it’s correct. I want Bank of America to proof to me that I owe them anything, Bank of America is a great bank to be a member of but what they have done to me is not right because they never took into consideration the time I had the account open and everything was going great. I want Bank of America to provide me with documentation where it shows and serves as proof that I owe them any amount of money. Please help me by requesting XXXX to delete all bad information reported by you from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX ( Account Number XXXX ) for their failure to validate the information they are reporting to the credit bureaus. Despite sending XXXX dispute letters over the past XXXX XXXX, they have not provided verification or documentation to substantiate the accuracy of this account. Their lack of response violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Specific Errors and Violations : Failure to Validate the Account : Under Section 623 ( a ) ( 8 ) of the FCRA, furnishers are required to conduct a proper investigation and provide validation when a consumer disputes an account. Despite my repeated requests, XXXX XXXX has not provided any documentation or proof verifying this debt. 
Inconsistent and Inaccurate Reporting : XXXX : Reports the account status as Deleted, Balance is {$30000.00}, High Balance is {$33000.00}. 
XXXX : XXXX the account status as In Dispute, XXXX is {$34000.00}, XXXX XXXX is {$110000.00}. 
XXXX : XXXX the account status as In Dispute, XXXX is {$34000.00}, XXXX XXXX is {$110000.00}. 
Violation : These discrepancies indicate that XXXX XXXX is not furnishing accurate information, violating Section 623 ( a ) ( 1 ) of the FCRA, which mandates that furnishers report accurate and consistent information across all credit bureaus. 

Failure to Conduct a Proper Investigation : Under Section 623 ( b ) of the FCRA, furnishers must investigate disputes and correct inaccuracies. XXXX XXXX has failed to conduct a reasonable investigation or provide a resolution, despite having XXXXXXXX XXXX to do so. 
Reporting Charged-Off Status Without Verification : The account is reported as a Collection/Chargeoff on all three bureaus. 
Comments such as Charged off account, Unpaid balance reported as a loss by the credit grantor, and Charged off as bad debt Profit and loss write-off reflect derogatory information that has not been validated. 
Reporting a charged-off status without validating the debt is a violation of my rights under the FCRA. 
Requested Resolution : I request that the CFPB take action to ensure that XXXX XXXX : Provides full validation of the debt, including original documentation proving the accuracy of the account details. 
Ceases reporting this account to the credit bureaus if they can not provide proper verification. 
Corrects the inconsistencies and removes any inaccurate or unverifiable information from my credit reports. 
Their failure to validate the account and continued inaccurate reporting are clear violations of the FCRA. I seek immediate resolution to prevent further damage to my credit profile. 

Thank you for your assistance.
Product: Checking or savings account

N26 left the US market and closed all accounts. They were supposed to issue refund checks for the remaining balance but I never received one. A few years later XXXX contacted me about the unclaimed property. I filled out all forms and was told I would receive the check 8-12 weeks from the beginning of XXXX. When I didnt, I contacted XXXX and they said they were talking to XXXX XXXX  who was the holding bank. They claim they dont have any record of my info, despite obviously providing it to XXXX. All people now direct me to the others in getting this resolved. Its over {$500.00} they are just withholding from me.
Product: Credit card

I am filing a formal complaint against Navy Federal Credit Union regarding their denial of my dispute claim on my credit card ending in XXXX. The claim pertains to a {$1400.00} purchase made with XXXX XXXX on XX/XX/2024, for an item I never received. 

The package was marked as delivered by XXXX, but it was not received. The XXXX tracking information does not include any proof of delivery, such as a photo, signature, or other evidence confirming it was delivered to me. 

To resolve this issue, I followed all steps required before filing a dispute : 1. Contacted my neighbors to check for the package. 
2. Filed a police report with local law enforcement for the missing item. 
3. Reached out to XXXX, which advised me to contact XXXX XXXX for resolution. 
4. Contacted XXXX XXXX corporate headquarters via email, requesting a refund. Initially, XXXX XXXX promised either a refund or replacement. I chose a refund and waited weeks, only to later be informed via email that they would neither refund nor replace the item. 
5. Compiled all evidence, including communications with XXXX XXXX, XXXX, and my police report, and submitted it to Navy Federal Credit Union and XXXX XXXX. 
6. Attempted to contact Navy Federal Credit Union multiple times via phone. However, I was hung up on and provided inaccurate information about the dispute process. 

Despite my efforts, Navy Federal Credit Union denied my dispute based solely on XXXX tracking number, which does not constitute sufficient proof of delivery. Navy Federal has not provided any further documentation or evidence to justify their decision, nor have they offered me an opportunity to appeal, which is required under Visas dispute guidelines.
Product: Credit card

I got this card because it advertised credit building. I used it and paid it every month. After my credit improved they changed the terms and now require an annual fee. I want to keep this card, as it is one of my oldest trade lines ( length of credit history ). Is this a strategy?
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting incorrect information on my credit report!
Product: Debt collection

MIDLAND FUNDING LLC HAS BEEN ASKED TO STOP CALLING ME BUT EVEN AFTER cease and desist letter they still do. I asked them for a validation Letter and they never responded. Also I have asked them to take their 3rd party collection off of my credit profile. Under the FDCPA, you have the right to " debt validation and They are not giving to me so I would like this taken off my credit. and my credit profile.
Product: Debt collection

There are numerous fraudulent accounts in my report that are really hurting my score. i wanted them to be removed as soon as possible. I have been trying to remove them since last year but i really don't know why it's s complicated to exercise my right to have an accurate reporting. Remove the following as soon as possible. Thank you. 

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

Please see attached letter 's mailed to your CARDMEMBER SERVICES XXXX XXXX XXXX XXXX, DE XXXX and to your Chase Bank Attn : Executive Office XXXX XXXX XXXX / XXXX XXXX, OH XXXX Not getting a response in writing as requested.
Product: Mortgage

Continuation for complaint :  XXXX  To recap : Bank of America, 7 days before closing, made mistakes that caused the underwriter to cancel our mortgage application. The underwriter claimed we did not show adequate funds to close, yet Bank of America had in their possession multiple documents showing that not to be the case. Bank of America later admitted that they have made some processing mistakes that caused the cancellation.     We were forced to rely on alternate, temporary financing, to close on the house on time as the seller was not interested in waiting the 21 business days that Bank of America claimed were needed to correct their mistake.     My first complaint yielded positive movement from Bank of America and they agreed to re-finance at the original rate, which after the  XXXX  election had climbed almost 1 %.     With that said, however, Bank of America would not work with us in regards to thei r Origination fe e, plus the other fees that were duplicate to the fees we had to pay in our original closing. So while Bank of America honored the original rate, and we 're thankful for that, they still left us on the hook for close to {$5000.00} in losses due to their original mistake.     As the consumer, I was left with no choice due to their original error. I could accept their offer at the original rate, but lose in the neighborhood of {$5000.00}, or I could book a re-finance at another lender with terms that would cost us  $ 75,000+ over th e life of the loan. We accepted Bank of America 's offer reluctantly.     The purpose of this complaint is to make record what happened. As the consumer, I have no recourse against Bank of America other than to clearly state that their mistake cost my family significant losses. In the end, they still got their loan.
Product: Money transfer, virtual currency, or money service

I purchased a dog online. I was Issued a bill of sale for the dog. The price included the cost of shipping ( as stated in the bill of sale ). Now I am being asked for an additional {$600.00} for shipping. When asked for a refund, the seller disconnected the number and the email address is now showing invalid. 


An attempt was made to cancel the transaction from my bank but I was told it was too late and theres nothing that can be done. That no information on the receiving bank is available and they will not fight and dispute the charges.
Product: Checking or savings account

Wells Fargo allowed XXXX dollars to be stolen from my account via XXXX  XXXX, and ATM withdrawal. The claim had been denied due to the ATM withdrawal, which was not me. They failed to investigate properly or check any sort of cameras to prove this transaction was not me. They also refuse to refund the fraudulent XXXX XXXX payments. I offered to provide identification to verify that these charges were not done by me, as well as proof I was not in the area of these ATM withdrawals, but all of my attempts have failed. Please help. They took every cent in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquiries I did not authorize and they are affecting my life please delete
Product: Credit reporting or other personal consumer reports

I have loans on my credit bureau files and its show that XXXX  NELNET accounts are not in good standing. Per the government repayment program due to my income I am in repayment status so my payments monthly funtil next year are 0
Product: Credit reporting or other personal consumer reports

Everything should be removed off my credit report and they get there information from Experian clarity services it shows that I have no accounts so why I credit acceptance and everything else still on my credit report and I have a bunch of inquiries using XXXX different names it shows I had my own business made up address got my mom 's phone number on year jobs I worked at years switched around and also phone numbers that's not mine on here
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, my information is being used by someone to open and apply for things, now there are accounts on my credit profile that I do not recognize. These items affecting my ability credit and my basic ability to sustain and stabilize myself and my family. Please, remove these fraudulent items as I am a victim and my life and family are suffering. 


Open Accounts : XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$310.00} Credit Card XXXX Opened XXXX XX/XX/XXXX Balance : {$340.00} Secured Credit Card XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$100.00} Secured Credit Card Collections Accounts : XXXX XXXX XXXX XXXXXXXX Opened XXXX XX/XX/XXXX Balance : {$370.00} Original Creditor : XXXX XXXX XXXX XXXX
Product: Consumer Loan

I had a loan from Wheels Financial Group , LLC aka LoanMart for a vehicle while I was in the XXXX. I notified them that I was being called to XXXX XXXX and then repossessed my vehicle. No notice of repossession or notice of sale was served prior to them choosing to auction off my vehicle. They recouped all of the balance owed on the vehicle with the exception of {$890.00}. The vehicle was sold on XXXX XXXX, XXXX and after 5 years I am receiving collection attempts in the amount of {$6500.00}. It is past the statue of limitation to collect and to report a debt under California Code of Civil Preceding subsection 337. On XXXX XXXX, XXXX I received an email regarding the payoff amount being {$890.00} and the amount would satisfy all collection acts and remove the debt. I contacted the company in an attempt to satisfy the debt and instead was told they would not settle the debt for that amount and I had owed the {$6500.00}. I began to question the email I had received and I was informed that if I did not choose to pay the full amount legal action would be taken against me. I was threaten with police action and also threatened with my current assets being ceased and wages being garnished. Since communication on XXXX XXXX, XXXX I have received harassing calls and emails attempting to collect the debt in the amount of {$6500.00}. They have violated the Fair Credit Reporting Act and also, the Soldiers and Sailors Act. Also, in none of the correspondence sent by LoanMart did it state as a disclosure that the company could n't sue me. I was ready to pay them until a friend had informed me that their actions were illegal and I needed to pursue them legally.
Product: Debt collection

After reviewing my credit score I noticed an open balance with Jefferson Capital System and I do not believe this is valid.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX