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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

This company " XXXX '' has an Hard Inquiry on my credit report although this hard Inquiry does not belong to me ..
Product: Credit card or prepaid card

Comenity is the credit card company for XXXX XXXX. They are deceptive and I believe criminal in their actions.. We ordered some furniture from XXXX XXXX in XXXX of XXXX and then when they were unable to deliver it for some time we cancelled the order. I must add we had paperless Comenity Statements. In XXXX they sent us a notice of late payment. So in late XX/XX/XXXX I immediately called the credit card company after receiving the late notice and they were great. I explained the situation and they called XXXX XXXX and then they credited the purchase of {$1200.00} along with ALL the interest and late fees. This left a balance of Then when I looked at the XXXX statement I had an interest charge of {$32.00} on a balance of {$170.00} and a purchase of {$47.00} I later saw that they added {$32.00} interest charge. I was extremely busy so I sent them {$300.00} knowing I would deal with this issue when I had time. Finally in XXXX I spent some time to call them and explain the situation and that there was no way there should be a {$32.00} charge in interest on a {$220.00} balance for one month. They said they would put in a dispute and get back to me. Today I called them and was on the phone for over an hour speaking to one employee and then her supervisor. Speaking to the employee today she claims that the interest rate is 28.99 % EVERY MONTH! I told her she was incorrect and that would be illegal. She stood by that ridiculous statement. I asked to be transferred to her supervisor, which I was. He explained to me they were charging me interest on the revolving balance on the returned items because the return credit was not posted until late in XXXX. My point is that they admitted the charge and interest was not valid and that is why it was ALL refunded XX/XX/XXXX, interest, late fee and purchase price. They did that and then charged the interest the next month AFTER the money was refunded because I had a balance of {$220.00} for one month which triggered the revolving balance interest. Remember the first person told me 28.99 % of XXXX when you remove the {$32.00} interest charge. Poor math for someone working for a bank. However, here 's the real kicker, the supervisor said, " you already paid it so there is nothing we can do '' I did explain that I had been busy and I paid it to buy me some time to get to a point where I had time to deal with trying to recoup my lousy XXXX dollars. IT'S CRIMINAL. They should train their people better and they should take better care of their customers. So for {$32.00} dollars I will spend any free time I have and find forums to post my experience. I hope it was worth it for them and I hope you all take notice and boycott Comenity and XXXX XXXX for their association with Comenity. Please also notice complaints flow in almost daily about them. I have a number of cards and never have issues with anyone else. Please avoid them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1692G - VALIDATION OF DEBTS REPESENTATIONS-10 XXXX XXXX XXXX Account XXXX : XXXX Delete this account. 

Personal information is incorrect XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX CRED XXXX ONEMAIN XXXX COMENITYCAPITAL SALL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX XXXX ONEMAIN XXXX CAPITAL XXXX BANK XXXX XXXX ONEMAIN XXXX
Product: Credit reporting 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 XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX
Product: Debt collection

Received a credit hit for a new debit collection in the amount of {$560.00} for XXXX, but never received any information regarding this debit or that it was any attempt to collect and or given the opportunity to resolve with other opposition, I have filed a police report for identity theft.But requesting that this be removed from my report per the credit report this account was opened in XXXX of 2023. Yet I havent had XXXX in years and debit was paid then.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened fraudulent. PayPal has provided me with documentation. I would like this removed from my credit report.
Product: Credit reporting

Under current federal law, the XXXX credit reporting agencies are suppose to let you review you credit report annually. I have tried for XXXX years and I always get various online replies from the XXXX agencies that they can not process my request or that I have already requested a report. It seems like if you do n't buy their additional credit products they refuse to give the consumer their free credit report as required by law.
Product: Credit card or prepaid card

I canceled my Chase XXXX Credit Card on XX/XX/XXXX. I called a Customer Service representative at Chase on XX/XX/XXXX and asked if I canceled on XX/XX/XXXX, would I qualify for the XXXX points on my XXXX XXXX mileage plus account for making {$10000.00}. in purchases from XX/XX/XXXX to XX/XX/XXXX as outlined in Chase 's cancellation statement. I was told yes. I never received the points and at first was told it could take 2 months to post. When I called in XXXX I was told I did not qualify. On XX/XX/XXXX, I wrote to XXXX XXXX XXXX, XXXX, XXXX XXXX Chase and made my case. A representative from the XXXX 's office of XXXX XXXX XXXX?, called on XX/XX/XXXX and said that while I did receive the above information on XX/XX/XXXX, it was incorrect and that employee is in coaching. Additionally, even though I was told my process was correct, I would not receive the points because I should have read the contract I signed in XXXX to see I had to wait until end of period. Hello, that's why I called on XX/XX/XXXX. 

I asked XXXX? to put his determination in writing and I have never received it. ( Almost XXXX months ago )
Product: Vehicle loan or lease

Greetings : I have been paying Wells Fargo Dealership for about 4 years for a XXXX XXXX XXXX. The installment is XXXX per month. I have never paid the account late. 

However, all 3 credit companies reflect a 1 time late payment for 30 days on XX/XX/2016, when it was not. I attempted to dispute the issue to the XXXX credit companies and submitted a Wells Fargo Letter as proof since WF indicated that it was an error on their part for this time frame. The credit companies advised that WF needs to update them and WF has not.

The WF letter states, " would like to inform you that an internal processing error may have affected the date that you received your loan statement between the months of XX/XX/XXXX and XX/XX/2016. Please note that we corrected the issue .... '' ( they have not ). Please help and assist if you can as this matter is reported for 7 years. Thanks XXXX XXXX XXXX
Product: Student loan

This is regarding my applciaiton for Public Service Loan Forgiveness ( PSLF ). I have spoken with FedLoans and submitted Employment verification several times for my employment but they consistently do not update the information. 

In addition, they do not contact me saying there is a problem -- if any -- with my employment verification. 

I stay on the phone for hours, get a nice and helpful representative, resubmit my employment verification, they find something wrong w/ it, lose it, or ignore it, and then I am again left in limbo. 

It almost seems like they are stalling until the XXXX XXXX  deadline? Perhaps that way they don't have to forgive any of my loans? 

I worked XXXX XXXX XXXX for 12 years and 7 years XXXX XXXX XXXX XXXX XXXXI have been paying on these loans since 1989 with periods of forbearance ( I also was never told I could make a nominal payment that would count toward my PSLF ). 

When I started in 1989 I owed {$42000.00}. I now owe {$50000.00} THIRTY THREE YEARS later!! 

Please help, I am crushed by this lifelong debt that I can't seem to pay off even after over 30 years...
Product: Money transfer, virtual currency, or money service

I set up a Square account for my XXXX and XXXX XXXX XXXX  and I processed 2 transactions and 2 transactions got declined for reasons out of my control. 

They wanted me to verify my account which I did. I sent the my XXXX  paperwork, Drivers License, Linked my bank account and 4 other things of proof and they deactivated my account and are holding my money until XXXX. 

They need to release my funds to my linked business account instantly. 

This is not fair practices and it is discriminatory. 

All of my business paperwork is current and licenses valid. 

They need to release my money. 

Square is participating in discriminatory Banking practices.
Product: Debt collection

I am reaching out regarding my rights according to the Fair Debt Collection Practices Act, Specifically Section 806. Harassment or abuse.

Under Line ( 5 ) it is stated : Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number would be violation of this section. 

I feel that I have been continuously abused, and harassed by Exeter Finance, the lender currently holding the lien on my XXXX XXXX XXXX. Below, I will show the numerous phone calls I receive within a month. Using different phone numbers, calling 2-3 times per day within 30-minute intervals each time. 

Under the Debt collection rule collectors are presumed to violate the law if they place a telephone call to you about a particular debt more than seven times within a seven day period. 

The increased stress from these harassing practices has a hindrance in both my daily life, and mental health. Which in turn makes my ability to faithfully repay my loan rather difficult as I feel constantly under pressure by Exeter Finance. 

From Friday XX/XX/XXXX XX/XX/XXXX they called 9 times in a 6 day time frame. ( Considering they are not able to reach out on Sunday, potentially 5 days. ) Each of these phone calls were placed within 30 minutes of each other. 

On XX/XX/XXXX I was called 4 times, first at XXXXXXXX XXXX, XXXX, XXXX, and at XXXX EST. XX/XX/XXXX I was called at XXXX, on XX/XX/XXXX three calls were made at XXXX, XXXX, and XXXX. Resulting in 8 phone calls within 4 days. 

Below I will show my call logs, which will show the number of violations against my rights according to the Fair Debt Collection Practices act. 

As evident in the video attached, this is a reoccurring theme throughout the loan with Exeter Finance, breaching my rights numerous times. 

They have also been contacting my mother, who is not involved in the loan, so that would add to the excessive phone calls placed to collect my late payment.
Product: Checking or savings account

Text and email from Citibank on XX/XX/20 regarding fraudulent debit transaction for {$71.00} from XXXX XXXX NY. Immediately called and disputed this debit. I live in California, have never been to NY, nor have I allowed anyone to use this debit card. I know no one in NY. Ny was in a total shutdown due to covid-19 at this time. During the same time period, I had XXXX in fraudulent charges from Connecticut that Citibank reversed. I never received a letter from Citibank that the charges were found in the merchants favor and have requested twice. They will not give me any info as to their findings and on XX/XX/20 was told to file an appeal. This was done via fax and hardcopy letter to the investigation division in XXXX XXXX SD on XX/XX/20. The bank has said letter in their possession and was told XX/XX/20 that an email is the only recourse, internally, would be sent by a fraud supervisor XXXX, to advise of the current lack of info not being sent to us. Was advised going into a branch is useless. There was a provisional credit applied for {$81.00}, why the amount changed is still unclear, and then XX/XX/20 the bank reversed this credit and a debit applied. I have been working on this for 5 months and need assistance as XXXX stated they can not assist as each location is a franchise. A corresponding # attached to the transaction on our checking account, a five digit #, does not match XXXX 's database to ascertain the exact location in XXXX NY. Citibank told me they have no idea what the number means. Any assistance would be greatly appreciated as the legal resolve is still uncertain in time limits.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, has reported to my credit incorrectly, recently XX/XX/2021 they updated a 6 year old charge off on my credit incorrectly with Equifax. My score went down 100 points. They are showing i have no good payment history only the bad. They removed the correct reporting and added something new. This vehicle should have been paid off because I had gap insurance and they received the funds. XXXX  also is increasing the charge off amount each month. The credit reporting isn't consistent. The reporting to XXXX  shows I have a current a current missed payment and currently null which isn't showing, the credit need to reflect the correct information. I have two accounts with XXXX  they need to be updated on my credit report. I have tried many times to fix this. I have been punished due to their incorrect information. Forced to pay higher interest rates and fees due to XXXX  incorrect reporting.
Product: Student loan

I 'm a veteran and my gi bill was supposed to cover my schooling. Not only was my gi bill never used, like i told them to, but i was also a single parent and should 've qualified for a pell grant, but instead they did n't even offer that to me. They persuaded me into doing these loans.
Product: Credit reporting or other personal consumer reports

Hello I Just Looked At My Credit Report And Seen Carmax Auto Finance Is Breaking Federal Law With Reporting Late Payments To Credit Reporting Agencies Which Is A Violation. Because Under 15 U.S. Code 1605 ( A ) If A Finance Charge Was Included Which Is The Sum Of All Payments There Should Be No Late Payments On This Account.
Product: Vehicle loan or lease

I was told if I paid XXXX my account would be current. I paid the amount and continued making my payments as normal. 

XXXX now says that I should have paid XXXX more than I was told to bring my account current. 

The two agents that told me the XXXX would bring my account current were not correct.
Product: Credit reporting or other personal consumer reports

I am writing to file a personal complaint regarding my credit record. Upon review, I noticed late payments recorded that I dispute. I sent letters addressing this issue over 30 days ago but have received no response, nor have I been provided with satisfactory validation of these late payments. I am seeking your assistance to resolve this matter. 

I respectfully reiterate my previous request. Please take immediate action to update these transactions on my consumer report to reflect their correct reporting status. Your prompt attention and action on this matter are crucial and greatly appreciated.
Product: Credit reporting or other personal consumer reports

Please take a moment to go over the documents I have attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts/inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX and XXXX XXXX XXXX Inquiry Date XXXX
Product: Debt collection

I paid in full Midland credit XXXX account garnishment on XX/XX/XXXX and they continue to garnish my wages. I have called and spoken with numerous people and I have been told an email has been sent requesting a stop of garnishment. I have also been told by the XXXX XXXX TN XXXX clerk that no release has been sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Convergent account Has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604 A section 2 : Also states A consumer reporting agency Can not furnish a account Without my written instructions 15 USC 1666B : A creditor may not Treat a payment On a credit card Account Under an open End consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refused to accept and returned my ontime payments in XX/XX/2021 and XX/XX/2021 after forbearance. They subsequently reported me INACCURATELY as XXXX days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

For your consideration, All three credit bureaus have incorrect phone numbers listed on my credit report. Because my changes of phone numbers have been numerous over the decades this could place me in a vulnerable position in society for companies reviewing my credit using filters on number of phone number changes.

Unfortunately, there are hidden and unfair forms of stigma and discrimination in society one of which involves black box algorithms which filter according to categories such as numbers of changes of phone numbers.

Such black box algorithms are hidden forms of stigma and discrimination on the part of lenders and other companies reviewing my credit. To protect my right to privacy from these and other unethical forms of practice until these come under greater regulatory scrutiny please remove from all of my credit reports mention of previous phone numbers in accordance with the Fair Credit Reporting Act.

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 States a consumer reporting agency can not furnish an account with my written instructions which
none of the three major credit reporting agencies have obtained from me.
Product: Debt collection

I pulled my credit report back in the end of XXXX, and noticed I had an account in collections. I searched the company and tried to find out information on Midland credit management and still did not recognize this company. I then reached out to all XXXX credit reporting agencies and disputed the collection account from the company Midland Credit Management, with a reporting balance of {$780.00}. I sent Midland Credit Management a Validation letter on XXXX XXXX. Never received anything in writing from Midland Credit Management at all. I still have yet to received anything in writing and I informed them in my letter to them, if debt could not be validated to please delete the account on all XXXX reporting bureaus and they have continue to keep reporting every month on my report.
Product: Debt collection

I recently received an invoice in the amount of {$11000.00} from XXXX XXXX XXXX which was forwarded to me by CIT Commercial Services, a division of Citizens Bank. Despite my efforts to rectify the situation through numerous phone calls and emails, it has become evident that the bill in question does not belong to me, but rather to a company located several hours away. I have made multiple attempts to resolve this issue with the debt collector, to no avail. 

I am concerned that this erroneous billing may have negatively impacted my credit score. The lack of due diligence on the part of the collection agency has resulted in a significant inconvenience for my company, which is currently in the process of securing a business loan. Such careless actions on the part of the debt collector are not only negligent, but also potentially damaging to the businesses involved.
Product: Money transfer, virtual currency, or money service

Hi, I opened an account with coinbase. Their online XXXX system only works if you have driving license. I do n't. One day my account gets frozen and I am being told to unfreeze it I need to verify my documents. Their system is badly built with the section where I can submit my documents does n't work if the account is frozen. 

This has been going on for 2 months now - i even called their CS but they keep telling me that specialist will call me and nothing. 

No one is responding to my emails either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX : {$5100.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX  XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022.