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

I Received a bill from XXXX Platinum Credit Card Saturday, XX/XX/XXXX via email, stating that I owed {$19.00} for the XXXX XXXX XXXX XXXX. 
I sent them a secure message via the link provided in the bills email, stating that I did not owe that, but was told it was the incorrect place to send a message and that I needed to contact Comenity Capital Bank. I thought that was who I was messaging. Very Confusing. 
I contacted XXXX XXXX and they verified that I had canceled the club membership XX/XX/XXXX ( XXXX XXXX from XXXX XXXX, verified it ) I sent a dispute letter to Comenity Capital Bank, via registered return/recieved mail, to the address they provided ; signed XX/XX/XXXX, with a stamped signature. My letter explained that I did not owe them any money along with the email verification from XXXX XXXX of my cancelation back in XXXX of XXXX by XXXX XXXX. 
I received a letter acknowledging the receipt of my dispute letter, which was dated XX/XX/XXXX. They asked me to give them 90 days to investigate my claim and that they would notify me of their findings. I have not received an answer to date. 
I received a debt collection letter from Comenity Capital Bank as a response to my cease and desist request sent via the secure message center due to collection phone calls from them, wanting to resolve the matter by having me pay 50 % of the alleged owed amount, late fees and interest. I did not owe any of the money to begin with. 
In XX/XX/XXXX, I applied to receive the new XXXX XXXX XXXX and was turned down by XXXX XXXX, due to negative information on my credit report. The negative reporting was by Comenity Bank/XXXX XXXX. They have reported me being delinquent since XX/XX/XXXX ; which was during the 90 day investigation they were supposed to be doing. 
My credit report shows only one negative account ; which is ComenityBank/XXXX. They show me delinquent from XX/XX/XXXX to present and my credit score has gone down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed Bankruptcy in 2017 and there was a debt, XXXX XXXX, that was included in my bankruptcy. On my credit report, it is listed as a collection with an outstanding balance which is included in my Chapter XXXX Bankruptcy. After 3 attempts to dispute the item and even provided supporting documentation for the item, XXXX, XXXX and Equifax continue to allow the item to remain on my credit report. I've demanded them to re-investigate the item and they refused.
Product: Debt collection

I have been requesting since XX/XX/2023, for Jefferson Capital System to remove this account from my credit report. I have requested a validation of debt and have been denied. That the information is incorrect. I have advised repeat that these accounts need to be removed. They have constantly denied my request with stating the account has been verified. Please ask them to remove these accounts as they are affecting my ability to obtain funding.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Pursuant to CFPB Lawsuit Dear Experian, I am writing to formally dispute inaccuracies on my credit report, which I have identified through recent review. I am requesting a thorough investigation of these errors in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

I have previously submitted disputes regarding this matter ; however, I continue to find that Experian is not correctly investigating my disputes. The inaccuracies remain unresolved, and this ongoing issue is preventing me from maintaining an accurate credit report. Despite my previous efforts to address this matter, I have not received the appropriate corrections or resolutions, which is a violation of my rights under the FCRA. 

Additionally, I would like to bring to your attention the recent legal actions taken by the Consumer Financial Protection Bureau ( CFPB ) against Experian. The lawsuit addressed systemic failures on Experians part in properly investigating and resolving consumer disputes, resulting in continued exposure to inaccurate credit reporting for many consumers. This is further proof that my case must be handled with the utmost care and urgency.

In light of this, I request that : You conduct a full investigation into the inaccuracies listed on my report, as required by law. 
You provide me with a detailed explanation of the steps taken to investigate these inaccuracies. 
You remove any incorrect entries that do not comply with the FCRA and reinstate my credit report with accurate information. 
You send me written confirmation that my credit report has been corrected and updated accordingly.

Please treat this letter as a formal request for reinvestigation and correction. I expect to receive a response within the 30-day period as outlined by the FCRA. If these inaccuracies are not corrected or if I do not receive a satisfactory response, I will be forced to take further action, including filing a complaint with the CFPB and seeking legal counsel if necessary. 

Thank you for your attention to this matter. I trust you will address my concerns promptly and thoroughly. Please confirm receipt of this letter and provide a timeline for resolution.
Product: Mortgage

Our primary residence is mortgaged with Bank of the West since XX/XX/XXXX. The bank established an escrow account to pay for the taxes and insurance. 

In XX/XX/XXXX, we installed solar panels using a HERO program loan. We requested the bank to include the HERO program payment in the escrow account as the HERO loan is paid with the property tax. 

In XX/XX/XXXX, we acquired a HELOC with Bank of the West and paid off the HERO program loan. I notified Bank of the West and requested that they stop collecting payments for the HERO program loan. Notification was done via email, letter and by phone to customer service. Receipt as proof that the HERO program loan is paid was provided to Bank of the West. 

I was told by the manager that they will NOT comply with my request and that they will continue to collect the same amount for my escrow account including the payment of the HERO program.
Product: Checking or savings account

My husband passed away on XX/XX/2023 and I reported his death to Social Security on XX/XX/2023. I was informed at that time that he was entitled to his final Social Security payment of {$1200.00} which would be transferred electronically to our joint savings account on XX/XX/2023. My husband was born on XX/XX/XXXX. I noticed that the deposited social security funds were on hold and asked the bank why. " Social security can ask for the money back and therefore the hold. '' I had my final interview with Social Security on XX/XX/XXXX and asked them about the hold. They told me the bank should release the funds immediately and off to the bank I went again. After some run around I got the branch manager who told me this is standard procedure. Social Security has 180 days to ask for the money and the bank can't just send the money back if Social Security asks for it and there are not sufficient funds in the account, therefore the hold.I could of course ask Social Security to send a letter stating that the bank should release the money but good luck on that one. She said by the time you will get that notice the money will be released. The bank just released the funds XX/XX/2023 but it shows on the account like it cleared on XX/XX/2023. 
Now I am in the fortunate position that I did not depend on that money but it me made realize several things. If this happens to me it must happen to thousands of Americans. No interest is paid on the money the bank is sitting on and as far as I know they can float it freely for 180 days. What a nice way to get free money for them to play with and make money on. Something is terribly wrong with this process. It doesn't help the person who has just lost a loved one and is dealing with the aftermath of that. For many the loss of the loved one means loss of that social security income as well. And for the bank to be able to sit on that money for 180 days is just absolutely disgraceful and a financial slap in the face. This needs to be fixed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok I will make this simple as possible. I have a chapter XXXX discharged in XX/XX/2017 my Mortgage was included, since I am keeping the home my current payments are considered voluntary payments. In the bankruptcy law states the company can no longer report this account to any credit reporting agencies. However I have been battling with my Mortgage company Shellpoint Mortgage, XXXX, XXXX  to remove it from my file. However they will not, this violates the automatic stay. Either way I would not mind so much being on my report if it were reporting every month and correctly. I have been calling emailing every month for them to update it or it will not be updated by law these companies are supposed to keep accurate information and here I am doing their jobs for them. My balance is also incorrect hurting my score further. My current balance I will show proof, as I will show proof as what they are reporting and you can see all the gaps this is crazy I should be able to sue both parties for not keeping accurate information.
Product: Credit card or prepaid card

I have a Target XXXX XXXX which is their credit card. At one point, I had 2 linked checking accounts for online payments. I closed one account last year and removed it from my linked accounts. I have been making regular online payments with my linked account since then. Last week on the XXXX and XXXX, I made 2 online payments. I got notified, yesterday, that one payment was returned as NSF. I called the only line that helps with XXXX issues, which is based overseas. The agent insisted I made a payment with the old checking account even though he admitted I only have the current account linked.They would not admit they had some glitch that caused the malfunction. Today, I logged onto my app and found a second payment, on the XXXX, had been returned. I called the same number and a supervisor blatantly accused me of using the old closed account to try to pay the balance. I have tried 5 other numbers and an online chat only to be sent to the same overseas customer service They have all admitted I have only the active account linked but insist I am the one magically making the old account be submitted. I did no wrongdoing and am adamant that I should not be paying return fees for this since I did not even have the option of selecting this old account in my payment options. It seems like a scam and Target is employing customer service agents that are promoting fraud. They know I couldn't have done this but are penalizing me because they don't want to find out how this is happening when it shouldn't be.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GAXXXX XX/XX/XXXX ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXXXXXX XXXX Balance : {$250.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$670.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$1500.00} ; XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$680.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$990.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$840.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

To Whom It May Concern, On XX/XX/XXXX I purchase a new mattress from a local Mattress Firm : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone : XXXX I was told that the mattress would come with 48 months 0 % financing, so I decided to acquire a loan through the company. The total loan amount was {$2700.00}. 

The loan was issued through Synchrony Bank who issued me a credit card which I have not used since. 

I have been making monthly {$100.00} payments ever since, even though the minimum payment due was only {$80.00} a month. 

This should have meant that I only had {$600.00} left on my loan as of XX/XX/XXXX. 

Somehow in XXXX of XXXX I was charged {$1500.00} in interest from Synchrony Bank. And ever since I have been charged about {$50.00} in interest a month, which is basically just interest that is being charged on the {$1500.00} of interest from XX/XX/XXXX. This company really seems like a scam and is praying on the unsuspecting consumer. I never received written acknowledgement of this change, I would not have known had I not logged in to my account, since the account is on auto-pay. 

I logged in to Synchrony 's website and they have no record of the original loan agreement. I called them on the phone on XX/XX/XXXX, to investigate. At that time they also claimed they do not provide original loan agreements in writing and I would need to contact Mattress Firm. I have tried to contact Mattress Firm without success. 

I would like to report Synchrony Bank for a lack of online loan origination agreements as well as Mattress Firm. I would also like to be refunded XXXX via check from Synchrony Bank which is the total of deceptive interest that I have been charged. Mind you the original loan was only for {$2700.00} from Mattress Firm. 

Both of these companies are engaging in very deceptive practices and clearly have gaps in their systems or are being purposefully deceptive as there is XXXX online original loan documentation and I never received any acknowledgement of the upcoming change in interest charged.
Product: Student loan

I submitted a request to the Department of Education for the forgiveness program and was told I did n't qualify for it because of the type of loan I had. I graduated in XXXX and the only type of loan that was available was the FFEL. It is n't my fault that they type of loan that is being forgiven does n't include the type that I have. I was n't allowed to change and would n't get any credit for the payments I have made. I still have over {$30000.00} outstanding and having been working at a nonprofit since XXXX. This needs to change. I was misled or would have attempted to refinance long ago so that I would have the 120 payments credited towards my forgiveness. I need help in getting this rectified
Product: Credit card or prepaid card

My account was closed back in XXXX  of 2021 and Ive been looking at the same exact amount due even though Ive made payments every month since then, Ive called capital one multiple times and no one can help me, a long time capital one customer. All they care about is what is in there terms and wont go out of there way too help a young struggling father of XXXX  who wants to pay off this credit card but between ridiculous interest, fees and minimum payments cant even knock any money off the account. Let alone capital one completely ruining my credit because they will do nothing to help a struggling customer. I ask that someone can please go out of their way to help a customer who wants to pay this card off but needs some help to work out some type of plan
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding credit bureaus failure to adequately investigate the validity of accounts listed on my credit report. Despite my efforts to dispute inaccurate or unverifiable information, The credit bureau has failed to ensure compliance with the Fair Credit Reporting Act ( FCRA ), particularly the provisions requiring credit bureaus to maintain reasonable procedures to ensure the accuracy of consumer reports. 

Accounts In Question : 1. US Department of education {$5800.00}.

2. US Department of Education {$2800.00} 3. US Department of Education {$2500.00}. 
XXXX XXXX XXXX XXXX XXXX {$6700.00} XXXX. XXXX XXXX  XXXX {$15000.00}. 
XXXXXXXX XXXX XXXX XXXX XXXX  {$980.00}. 
XXXX. XXXX XXXX XXXX {$740.00}. 
XXXX. XXXX XXXX  {$1500.00}. 
XXXX. XXXX XXXX XXXX {$660.00}. 

This credit bureau has not conducted a reasonable investigation as required by Section 611 of the FCRA. Instead, they continue to report these accounts without proper validation or documentation. 

This credit bureaus failure to properly investigate and delete these errors has caused harm to my financial well-being, including, a lower credit score, denial of credit opportunities, and higher interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to Experian, and they have refused to investigate for over XXXX months. 

Reasons given for past refusals to investigate are ( 1 ) false claim of not submitting my own disputes ; ( 2 ) false claim that I haven't submitted identifying documentation ; and now ( 3 ) claim that I have to explain to them what the reason for my dispute is ( see attached email ). 

I have the right, under the FCRA, to dispute items on my credit report and the credit reporting bureau must validate the disputed item for accuracy. 

Experian has failed to do so, and in fact, has made several false claims regarding submitted disputes. 

I ask the CFPB to either direct Experian to legitimately investigate my disputes or delete all disputed entries on my credit report. 

Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I contacted companies and was told information can not be located and if its a dispute just file it and it will be granted from unauthorized access.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 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 any purpose. MY XXXX XXXX XXXX ACCOUNT IS REPORTING Multiple time please remove. 

FRAUDULENT ACCOUNT XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Below you will find the account marked as inaccurate and needs to be re-investigated. It was taken off my report once, but then added back with no explanation. XXXX XXXX - XXXX # XXXX
Product: Credit card or prepaid card

I applied for an American Express Serve Card when filing my federal tax return through an online tax software called XXXX. The online advertisement for Serve states there is a {$1.00} monthly fee for the card which can be made by setting up a direct deposit of at least {$500.00} monthly. I applied for the card and had my tax refund of {$1200.00} sent to the card, the date of card application and deposit is XX/XX/2018. I received the card within 14 days of completing the online application. On the date I received the card, I arranged for a direct deposit of {$110.00} weekly ( {$110.00} x 52 weeks/12 = {$500.00} monthly ). 

On XX/XX/2018, I noticed a {$4.00} fee charged to my AMEX Serve account. Further research shows AMEX Serve charged me {$4.00} monthly for the entire time I've had this card. I called AMEX Serve on XX/XX/2018, in which I spoke to a customer service representative name XXXX. The phone call was placed at approximately XXXX XXXX on XX/XX/2018, to number XXXX. XXXX states, " I must make a monthly lump sum payment of {$500.00} to qualify for the no-fee months ; the system does not recognize weekly payments. '' I dispute that ; my first month I had a lump sum direct deposit of {$1200.00}, the computer charged me a {$4.00} fee that month. 


I followed the literature directions to avoid a monthly fee. AMEX Serve still charged me a monthly fee.
Product: Credit reporting or other personal consumer reports

I just checked again my TransUnion, XXXX and XXXX credit reports and I can still see account reporting inaccurately. Please see attached file below
Product: Credit reporting or other personal consumer reports

I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA.

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Debt collection

A company has been calling me, my extended family ( to include in-law s ), and EVEN MY NEIGHBOR in reference to an " open investigation ''. They are acting like they are the police. Impersonating the police is a serious crime. I will be filing a police report. The name they gave my neighbor was " Investigator   XXXX   XXXX  ''. These scare tactics not only break local and state laws, they also violate my privacy. I do not have the FDCPA memorized, but the tactics used by this company who never identifies itself absolutely has to be in violation of the FDCPA.   After some internet research, the information for the company is as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX   XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 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 : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX