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

Hello, I have made a payment to Comenity Bank on XX/XX/2022. The card is under BJS logo. 
I have send them payment proof. Untill now the bank is refusing to acknowledge the payment. 
I have provided all the documents related to the electronic transfer from my XXXX XXXX account. Comenity bank still refuses to acknowledge the payment. 
I tried to call customers service and none of them was helpful as they did not have any authority to transfer me to a manager. When I finally talked to a manger after many phone calls and emails I was told there is nothing that can be done. I was advised to wait as the Comenity bank has computer issues since XX/XX/XXXX and can't locate payments of many customers.. 

I have been waiting since XX/XX/XXXX, we are at the end of XXXX. That is 4 months already. I need my money as I have a credit with them.
Product: Credit card

On or about XXXX, XXXXXXXX XXXX I applied for and was approved for a Capital One ( the Bank ) SaksXXXX World Elite Mastercard. I have emails and hard copy letters to that effect from the Bank. 

On or about XX/XX/year>, upon receipt of the credit card in the mail, I discovered that the Bank had sent to me a Capital One SaksXXXX Store Credit Card. I never applied for nor did i want this version of the product. 

I have made repeated requests to the Bank to take corrective action on this matter and the Bank has refused to do so. 

Please be advised that this CFPB complaint is the final opportunity for Capital One to correct this error and to send me the card which I applied for and was approved for as evidenced by the Banks own communications to me. 

Should the Bank fail to take this corrective action, I will proceed with litigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX " XXXX '' - this is me putting XXXX on NOTICE for incorrectly reporting information on my consumer credit report. pursuant to 15 USC 1692 ( c ) - cease and desist. account number ending XXXX for the XXXX XXXX XXXX XXXX. this corporation has incorrectly been reporting credit history information. This is enough grounds to bring this person to court, for defamation and for financial injury pursuant to the United States court of appeals, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . further more they could be liable for civil liability pursuant to 15 USC 1692k ( a ) ( 1 ) - any actual damage sustained by such person as a result of such failure. This case law between this missed payments and all of the times that I have disputed the information on this account have amounted to about {$34000.00} in violations between missed payments and randomly closing the account. not including the other violations that I have listed below. 
this fine begin at XXXX and is not limited to just this amount as the definition of any pursuant to XXXX XXXX XXXX is unrestricted. furthermore, XXXX has revinsteagted this matter a series of times, and has apparently validated the debt without ever disclosing WHO the flesh and blood human being is that validated the debt is and without ever provision through public and private GAAP ( generally accepted accounting principles ) for the account in question which Is also a violation that carries civili liabilities with it. pursuant to 15 USC 1692k ( a ) ( 1 ), FCRA 623, and XXXX XXXX XXXX XXXX US court of appeals for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed ( XXXX XXXX. XXXX ) I dont not wish to see a packet of statements unless you wish to see those same statements being used as evidence on my complaint! thank you!
Product: Money transfer, virtual currency, or money service

I tried for 4 months to get this resolved and emailed the dept they told me to and talked to reps that said they would call back but never did they keep avoiding me they gave me a check I cant cash
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information with XXXXXXXX XXXX. They closed account and showed XXXX balance and placed foreclosure on report which is not correct. When I disputed account they then reopened account showing a balance and deed in lieu and 6 miss payments. They did this in order to hurt credit.

There is no deed in lieu. I don't have 6 miss payments and. The account should show XXXX balance owed All information reported is inaccurate and must be deleted. 
And I do have email confirmation on my dispute with XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 604 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 personal knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply for a credit card at Wells Fargo but was told I can not receive a credit card because I already have accounts with Wells Fargo that were not paid as agreed. This however is not true because I have never had a credit card with any back or company ever. I believe it to be that someone has open accounts under my name or social security number which are not allowing me to apply for a credit card.
Product: Credit card

On or around XX/XX/XXXX, I discovered unauthorized accounts opened in my name. The following accounts were fraudulently opened without my knowledge or consent : Capital One account with a balance of {$3500.00} ( reported XX/XX/XXXX ) XXXXXXXX XXXX XXXXXXXX account with a balance of {$2500.00} ( reported XX/XX/XXXX ) XXXX XXXX account with a balance of {$3400.00} ( reported XX/XX/XXXX ) I did not open these accounts, authorize their creation, or make any charges on them. I believe I am a victim of identity theft, as my personal information was compromised in a data breach. I am disputing all of these accounts and requesting their immediate removal from my credit report. 
I will provide additional identifying information upon request to help verify my identity and assist with this investigation.
Product: Credit card

Dear CFPB I wrote by mail to you in XX/XX/XXXX; explained below in detail. Please see summary ; On XX/XX/XXXX ; I was notified by other investors, customers and employees that my ( now ex ) business partner investor frauded the company, customers and all the funds sent by me, all the credit cards, loans since XX/XX/XXXX ; in amount exceeding $ XXXX. I also immediately contacted credit cards, credit score companies by phone ( hours spent ), loan companies, banks, and I was told this was " a civil matter '' to be brushed off and they didnt ask or go after the perpetrator who used XXXX XXXX scam to fraud me and others. All 11 banks and loan companies refused to help me. So I went on a search, this is not as they claim a civil matter. THIS IS A FEDERAL crime, and all the records will show that I begged pleaded with these companies, yet they continued and still continue to come after me. I then by email, mail contacted my senators, law enforcementand and law offices of XXXX XXXX in XXXX who handled XXXX XXXX case, to prosecute him. I am writing to inform you to inform all credit card companies, loan companies, credit score companies and reply to me that you received my letters. All the cards and loans in my name XXXX XXXX are used and my funds by this perpetrator, XXXX XXXX and his accomplice XXXX XXXX I ask you to notify these banks as well. As the perpetrator committed a crime of fraud, false documentation, fraud invoices, investment scam, identity theft, tax fraud among many others, I thank you for your support in advance. You can also contact my attorney XXXX XXXX and direct these banks : XXXX XXXX He | Him | His Partner XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kind Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX XXXX Collection I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

I have a bankruptcy showing on my report from XX/XX/year> and it show discharged in XXXXXXXX XXXX When the bankruptcy accounts are discharged they should show no missed payments only discharged in bankruptcy. Experian is showing I have 9 late payment 90 days past due. by law this is not allowed. They need to remove this from my credit report as it is required by law they do so. I have been trying to get them to do so from quite some time now and this is my last time before I file a law suit against them for falsely reporting late payments. This seems to be something that is happening to others as they are having the same issue with experian. I want the late payments removed because fair credit act says this is illegal to do. I never had late payments and never will. they need to remove this. It is required under the fair credit reporting act. this will be the last attempt before filing a law suit I have attached a copy of my credit report from experian to show that i am right. Please fix this issue. I really don't want to take if to court but will if forced to get this corrected. PLEASE FIX ISSUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

My case relates to bankruptcy that was disputed. 

On XX/XX/XXXX, I requested verification from the courts on how information is reported to agencies. In response, they sent a written notification on XX/XX/XXXX stating that courts do not provide information to credit reporting agencies. I requested this item to be removed from my credit report because it does not comply with FCRA 611 ( 15 U.S.C 1681I ) on XX/XX/XXXX and in violation of the Fair Credit Reporting Act. 

In response, TransUnion stated the information was verified on XX/XX/XXXX, XXXX, However, this is false because courts don't report to agencies/credit bureau. 

As a result, I would like for CFPB to investigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I did not authorize XXXX XXXX to get my credit report as reported on XX/XX/XXXX. 2023. Please delete this as it is inaccurate and false. I DID NOT AUTHORIZE NOR RECOGNIZE THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently tried to open a bank account and was declined because I owe money to XXXXXXXX XXXX. The problem is that I NEVER had a XXXXXXXX XXXX account before. 
Please delete this account from XXXX XXXX XXXX. This is Not even my name and this is clear Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer report and noticed that I had XXXX late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : Account Name : XXXX XXXX Account Number : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to XXXX in regards to an alleged XXXX loan asking them to verify an alleged debt, but they have failed to do so. I have asked for them show me their Method of Verification and they did not send it. I am worried that they are not actually investigating my dispute and are using the e-Oscar system instead, which I did not consent to.
Product: Money transfer, virtual currency, or money service

I have had my Coinbase account blocked for several months, so I can neither enter it nor buy or sell cryptocurrencies. I have opened several cases to Coinbase and they do not solve it for me. I enclose screenshots of everything sent and that I still have the account blocked. when I try to enter the account, it asks me for an sms sent to a number that is not mine, as I show in the attached file " XXXX XXXX
Product: Credit reporting

I have sent multiple dispute letters to Experian in attempts to rectify incorrect account information that is reporting on all XXXX of my student loan accounts. I have sent a dispute letter dated on XX/XX/XXXX and XX/XX/XXXX ( with new relevant and verifying information ), requesting Experian to update my student loan account payment statuses ( XXXX student loans ) for the month of XX/XX/XXXX to current instead of a 90-120 days late status ( what is currently reporting on all XXXX student loan accounts ). I provided Experian with verifying and supporting information provided to me by XXXX XXXX XXXX illustrating that for the month of XX/XX/XXXX, I was granted a forbearance period from XX/XX/XXXX-XX/XX/XXXX, which makes my account NOT late and current with the terms set between myself and XXXX. Experian refuses to update my student loan accounts and they came back verified and no change. I requested a method of verification on XX/XX/XXXX via certified mail ( tracking number provided in attachment ) for my student loan accounts. According to the FCRA, Experian has 15 days to respond to my method of verification, in which they must provide with whom they verified the disputed account information. Experian did not provide this information in the required time, according to the law and is thus in violation of the law. Experian decided to treat my request for Method of Verification as a dispute when my request clearly asks for a method of verification for the above stated case number a couple of weeks prior. I believe this is a stall tactic to prolong the appropriate changes that need to be made to my credit report. I have attached my Method of verification ( which clearly states MOV and NOT DISPUTE ) letter that I sent to Experian. I have also attached the XXXX XXXX XXXX documentation for further verification that Experian is reporting incorrect payment information on my credit report and refuses to update my report with the correct information even when provided with supporting documentation. This should be sufficient documentation as the other credit reports were able to use the documentation to make the correct updates to my student loan accounts.
Product: Debt collection

Pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) National Recovery Agency was requested to validation alleged debt by authenticating a written agreement and a record. They did not Pursuant to 15 USC 1681b, I have never given this company permission to furnish a consumer report. Per 15 USC 1681a ( q ) ( 3 ), this is considered identity theft. My identifying information is being used without my consent.

Also, Per 18 USC 8, any all of my debts are the obligation of the United States.
Product: Debt collection

AS OF XX/XX/XXXX I HAVE NOTICED FRAUD ACCOUNT ON MY CREDIT REPORTING Account- RECEIVABLE MANAGEMENT Account number-XXXX Date opened-XXXX XXXX XXXX Account type-Collection Status-Collection account. {$1100.00} past due as of XXXX XXXX. 
Status updatedXXXX XXXXXXXX Contact info-Name-RECEIVABLE MANAGEMENT Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Phone number- XXXX XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUNDS FOR REMOVAL AND DELETION OF THIS ACCOUNT 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 resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Product: Money transfer, virtual currency, or money service

I was a victim of a scam that happened on XXXX/XXXX/XXXX. I got XXXX  checks from a person, however he/she said they accidently issued the wrong amount and ask that I transfer the extra money through zelle. After I did that, it turned out that those two were bad checks and all of my money were gone ( about {$3800.00} ). My account went into negative balance, the bank charged me too for having negative balance and returned checked fees. I went to my local bank to file a zelle claim and a check claim. After some investigation, they told me the person that scammed me was a member of an XXXX XXXX ( XXXX XXXX XXXX ) in georgia, but they can not give me any further information due to privacy reasons. At the same time, I also filed a police report but they can not find the person as well. I tried to contact both sides multiple times to see if the bank can share those information directly to the police. However, the bank said they closed my case and I am still not able to get any money back. Zelle department also is not able to give me some money back. My case reported to the police was also placed as suspension due to lack of further information. I called the bank and the police nearly every month since this happened but no one can help me. I tried researching online to see if there are any way for me to get my money. I found a news saying some people that were scammed were able to get their money back. I am wondering if you can help me solve this issue. Thank you.
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. 

List of Unauthorized Inquiries : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX 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 XXXX 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

XX/XX/XXXX : closed on home ( FHA/fixed rate 30 year loan with escrow ) XX/XX/XXXX : 1st Payment set at {$1400.00} a month ) with Rapid Mortgage XX/XX/XXXX : receive notice our loan is being transferred to XXXX XX/XX/XXXX : receive letter stating our monthly mortgage statement is increasing to {$1700.00} XX/XX/XXXX : receive tax bill stating we are past due XX/XX/XXXX : Call XXXX  and I'm told all taxes are paid, we have a shortage and this is why we have a significant increase in our monthly mortgage payment. I am also told to request a Escrow Spread of 24 months to lower our monthly mortgage payment back down. 
XX/XX/XXXX : reach out to Rapid Mortgage and they investigate XX/XX/XXXX : make payment to XXXX for XXXX while Rapid Mortgage is investigating. Rapid Mortgage then sends a check of {$620.00} to reimburse us and write another check of {$780.00} stating that they miscalculated the taxes at closing XX/XX/XXXX : I send the check to XXXX, I wait a week and follow up as it was never showing in escrow. 
XX/XX/XXXX : I call XXXX and I'm told they received it and that everything is correct. 
XX/XX/XXXX : I call XXXX again as the check of {$780.00} is still not showing in escrow. I am told that it wasn't allocated in the proper place. Stated they would correct it. They did. It showed in Escrow the next day. 
XX/XX/XXXX : XXXX adjust our monthly payment to {$1300.00}. ( I'm thinking because the escrow finally got straightened out ), I call and confirm my theory with customer service. 
XX/XX/XXXX : receive letter from XXXX that our monthly mortgage payment is now increasing to {$1800.00} and that it is due to an Escrow Shortage of {$3400.00}. 
XX/XX/XXXX : I reached out to XXXX requesting an Escrow statement and for explanation as to why an entire years taxes is showing as the shortage amount, I was provided an Escrow statement ( that makes no sense to me ) and told that there wasn't enough escrow payment per month to cover taxes. 
XX/XX/XXXX : I reach out to Rapid Mortgage. They did a brief look at the situation and stated that it is no longer their problem and that I need to work it out with the escrow department with XXXX and that my monthly payment should be about {$1600.00} a month based on the numbers they are looking at due to tax increase. ( Taxes have gone up a {$1000.00} since closing XX/XX/XXXX due to value of home increase. ) XX/XX/XXXX : reached back out to Rapid Mortage requesting that they correct the error made at closing regarding our Escrow shortage. They estimated our Escrow at {$160.00} a month and this is not enough to cover PMI, Home Insurance and taxes. Therefore, why we are having a significant increase in our monthly payment.
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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.