23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I sent Comenity Capital Bank a letter on XX/XX/XXXXXXXX  disputing a charge on my account. In included documentation supporting that the charge was in error. I have not heard back about the dispute and the charge has not been refunded. 

The charge is listed on my statement as : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX IN, {$9.00} On XX/XX/XXXXXXXX   I received a letter on dated XX/XX/XXXX from Comenity with no substantive information than " Thank you for contacting Comenity '' and " Please call XXXX as soon as possible. '' I called and spoke with XXXX on XX/XX/XXXX, who said he had no information about what the letter was about. He said that if it was about my disputed charge, I should receive a message from the dispute team within 3 weeks. I have still not received any communication. 

I believe Comenity has not followed the requirements of the the Fair Credit Billing Act, which requires that " Within 30 days of getting your complaint, the issuer must acknowledge it in writing, unless the problem has been resolved. '' ( cited from FTC web site )
Product: Credit reporting or other personal consumer reports

I HAVE FILED A DISPUIT TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVENT RECIEVED ANY INVESTIGATION REPORTS. 
15 u.s. code 1681b- permissible purposes of consumer reports.

This is a violation of 15 U.S code 1681i ( 5 ( removal of inaccurate/invalidated credit information. please remove immediately. 

XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account XXXX XXXX  Account XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX  Account XXXX
Product: Credit card or prepaid card

My account was hacked or something and someone spent all of my money in XXXX cent transactions over {$4000.00} worth on XXXX which I have no idea what it is and I've never used it and then I reported all these transactions with the bank and they told me they can only group XXXX of them together and the rest they had to file separately and a few days later they credited me {$100.00} but I'm still waiting on the remaining XXXX or more and they made me cancel the card I still had and I can't seem to get them to mail the card to my current address and it's taking very long to get my money back and I'm broke at the current time this is not good banking if you ask me
Product: Mortgage

I have asked Truist several times who owns my loan? Are they just the servicer or has it been sold at any time Since XXXX? I have even sent this is a written form and have never received an answer to this question. What is there role in my mortgage? What are there responsibilities when it comes to my loan process? Do they own my loan? Loan number XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I have a fraudulent account on my report. Please remove this account from my report it is hurting my ability to obtain credit.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX LYNV FUNDING LLC I am writing to request validation of a debt you have reported under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C XXXX 1692g. Under this law, I am entitled to request verification of the alleged debt, and you are required to provide the necessary documentation to substantiate your claim. THE ACCOUNT I AM REFERING TO IS LYNV FUNDING XXXX Specifically, I request the following : 1. The amount of the debt : A detailed accounting showing the amount owed, including any fees, interest, or charges added to the original amount. 

2. The name of the creditor : Verification of the original creditor and a clear chain of title demonstrating how you have the authority to collect on this debt. 

3. Proof of the debt : Copies of any documentation, such as the signed agreement or contract, that shows I am legally obligated to pay this debt. 
In addition, I would like to bring your attention to the court case Spears v. Brennan, '' 745 N.E.2d 862 ( Ind. App. 2001 ), which supports the requirement that a debt collector must provide more than a mere account statement from a creditor to validate a debt. The debt collector must provide evidence that the debt is valid and that they have the legal authority to collect it. Until these items are provided to me, I request that all collection activities be ceased, including reporting this debt to any credit reporting agencies. If you continue to report this debt inaccurately or fail to comply with my validation request within the 30-day time frame allowed by law, I will consider this a violation of the FDCPA and pursue all available remedies. If you fail to provide the requested validation and continue reporting this debt inaccurately, you are hereby notified that I will invoice your agency {$1000.00} for damages due to the continued inaccurate reporting. 
Please direct payment to the address listed above. Please treat this letter as a formal dispute of the debt and a request for validation. All future communications should be in writing only and sent to the address listed at the top of this letter. 

Thank you for your prompt attention to this matter.
Product: Credit reporting

I Try to get my free credit report for Equifax It tells me all the time I can only request it by mail and not online because they ca n't identify me online. 
This is very strange because Equifax lets me purchase for money my report on their website and they identify me perfectly, but when I try to get a free copy it never identifies me. 
I just feel that because it 's free they make it hard for me to get it, but when I pay for it, it works perfectly fine.
Product: Credit reporting or other personal consumer reports

I'm unaware of this debt, I didn't have a chance to dispute this information. If in fact you gave me proper notification then please send me the certified receipt with my name on it, my signature. 

this is in regards to account number XXXX Lincoln Automotive Financial services address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX  : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX  XXXX : Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681,1 Section 604 A section 2 also states a consumer reporting agency can only furnish an account with 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 or 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 data is inaccurate.
Product: Credit card

Subject : Complaint Against Fortiva Regarding Unauthorized Reopening of Account Dear Federal Trade Commission, I am writing to file a formal complaint against Fortiva, regarding their unauthorized reopening of my account despite explicit instructions to close it. On XXXX, I contacted Fortiva to request the closure of my account due to fraudulent opening up a credit card in my name without my knowledge. The representative assured me that the account would be closed promptly, and I received verbal confirmation of the closure during the call. Additionally, I followed up with written instructions via email as per their requirements. 

To my dismay, I received an email notification from Fortiva on XXXX, indicating that my account had been reopened. This action was taken without my consent or authorization. Disturbed by this development, I immediately contacted Fortiva again to address the matter. During this subsequent call, I reiterated my request for the closure of the account and expressed my dissatisfaction with their disregard for my initial instructions. 

Furthermore, I possess recordings of both phone conversations as evidence of my communication with Fortiva representatives. These recordings clearly demonstrate my explicit instruction to close the account and the acknowledgment from their representatives. 

The unauthorized reopening of my account by Fortiva not only violates my explicit instructions but also raises serious concerns about their adherence to consumer protection regulations. This incident has caused inconvenience, frustration, and potential security risks as my personal information remains accessible through an account that I explicitly wished to terminate. 

I urge the Federal Trade Commission to investigate this matter thoroughly and take appropriate action against Fortiva for their negligent and potentially unlawful actions. Additionally, I request assistance in ensuring the permanent closure of my account with Fortiva to prevent any further unauthorized access or actions. 

Thank you for your attention to this matter. I am willing to provide any additional information or documentation necessary for your investigation. 

Sincerly, XXXX XXXX
Product: Credit card or prepaid card

i was offered a pre approved ad to apply for a discover card on XX/XX/24 so i did they ran my score i was denied and they dropped my score 17 points o XXXX. it was a hard inquire but 17 points? i expect a few points but 17? thats insane any questions contact me
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, Furthermore, their dispute resolution procer was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for this violation.
Product: Credit reporting or other personal consumer reports

I inquired about having the medical debt removed from my credit report after the new rule to remove medical debt. Both have been sent to collections, and both are medical debt that I do not believe I was given the proper opportunity to pay off or dispute with my health insurance did not pay the claims. I have disputed both with XXXX and XXXX and all they returned was that the debt was valid, but based on the new rule why would they not be removed? One of the debts with First Point showed up on my report and I do not even know what it is for or why my health insurance would not have paid the claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUFAX AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Product: Credit reporting

Hi there! 
I have been battling with the XXXX credit reporting bureaus since last XX/XX/XXXX. I discovered I had been assessed a tax lien in error ( the lien was for a car that was a gift, but I forgot to check the " gift '' box on the title transfer, this the state [ Ohio ] assessed me the tax value ) but I worked with the Ohio Attorney General 's Office and they gave me a lien release letter that I sent on to the XXXX County Clerk of Courts. The lien is removed but should not have been assessed in the first place. I worked with XXXX and XXXX and when I submitted my disputes and paperwork they completely removed the lien from my credit report, but Equifax refuses to remove the lien and just shows that is " reporting correctly '' as being paid in full. This is negatively effecting my credit score and was not my fault in the first place at all.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I received a message through XXXX from my brother. He claimed he was locked out of his car and needed {$120.00} to pay for the mechanic to open his car. He said his phone was dead and he had logged in through XXXX from the mechanics phone. He told me that he would transfer me the money back as soon as he was able to charge his phone. 

A few hours later after not receiving my money I called him. Then he notified me that a scammer had taken hold of his account and he never messaged me. I then called my bank to report fraud, but they told me there was nothing they could really do besides submit a fraud report and wait 10-45 days ( when the funds will likely have been withdrawn ). I have contacted both my bank, as well as tried to contact XXXX XXXX XXXX to try and resolve this only a 5 hours after the incident. ( BofA let me know that the funds were sent to XXXX ). XXXX is not picking up the fraud hotline.
Product: Credit card or prepaid card

Credit Card from AVANT was sent to incorrect address, when corrected they stated they reissued the card on three different phone calls, card was never received or activated but they still billed the annual fee and put this as an open account on my credit report. Credit companies refused to remove it. I called several times regarding the {$39.00} annual fee they said I wasnt responsible for it because I didnt have a card but wouldnt put it in writing, wouldnt remove it from the account or my credit report. I had to cancel the account its been over a month back and forth with them. This place has shady practice, Ive never had a card show open until I actually activated the card. I never received a card from AVANT.
Product: Mortgage

Called to cancel my ACH payment in order to refinance my loan, SLS still took payment automatically after I had called to cancel. They said it takes time to process but if my payments are late I am the one who will get punished. They can do whatever they want and call it a processing delay and not be punished.
Product: Credit card or prepaid card

XXXX all for {$150.00}. 

XXXX XXXX of XXXX FL, continued to bill our credit card for a hockey league that my grandson, XXXX XXXX, he has not played in that league since XXXX. of XXXX.I have contacted XXXX XXXX and they will not return my phone calls. They gave us some rigamoral about changing their billing system and that they do not have those charges in their system. 

I have contacted Discover card on 8 different occasions, they said they did not get my documentation which. I mailed on XX/XX/2022. They can not contact the vendor so they have decided to settle in the vendors favor. 

When XXXX at XXXX XXXX said I don't show those payments I said to her, well I have been charged for over a year, and someone at XXXX XXXX is getting that money, she said she would have to look into it, and will not take my calls nor will she get back to me. 

It is over {$2000.00} and I am getting no help from Discover or the vendor. I need help recovering my money, which they never provided a service for, they also know they didn't provide that service due to COVID Discover Card can see all the automatic payment that are being disputed in their system sinceXXXX, it was the XXXX of every month
Product: Student loan

I took out federal subsidized and unsubsidized student loans when I went to XXXX University. I graduated was accepted at XXXX University XXXX XXXX where I took out the same federal loans, and also XXXX Plus loans. In XXXX 2015 I called XXXX to ask about a PSLF consolidation because I work at a nonprofit. I sent the application in on XXXX XXXX, they said they got it on XXXX XXXX. On XX/XX/XXXX, I got a letter from them about the consolidation, but the information was wrong, so I called. None of my loans with my ACS servicer were included in the consolidation, but the rest were. All are eligible, the only difference is the servicer. I spoke with a XXXX worker named XXXX, who told me that ACS is giving XXXX " a hard time, '' and that ACS does n't want me to consolidate those loans. ACS wrongly informed XXXX all my loans had a XXXX balance except the XXXX Plus loan, and they said that loan was ineligible. XXXX asked if ACS is collecting, and they are. None of the loans ACS services are either ineligible or have a XXXX balance, they are exactly the same kind XXXX included in the consolidation. XXXX said, " They ca n't have it both ways, tell us you have a XXXX balance and then collect from you. '' She said I have a legitimate complaint with ACS, but XXXX could do nothing about it. ACS will not give XXXX the information they need, so I had to cancel the consolidation and call ACS. XXXX said I could reinstate the consolidation application when they have the information from ACS. I called XXXX on XXXX, and they said they got XXXX 's request on XX/XX/XXXX, but it would take up to 30 business days to submit the information. I asked for an email confirming that. The said it would take XXXX hours to send it, but they would. On XX/XX/XXXX, I still did not have an email confirming they would send the information to XXXX, so I called ACS again. They said the same thing. I again asked for an email confirming that, and they agreed. It is XX/XX/XXXX, and I still do n't have an email from ACS I tried to file a complaint with the Ohio AG, but their website has been down the last two days. ACS refuses cooperate with me or XXXX, they are not complying with the terms of my loans that allow me to consolidate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : We are writing to inform you that we have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your company 's failure to remove debts included in our federal bankruptcy. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy. 

Despite our previous attempts to resolve this issue directly with Care Credit, the incorrect reporting of these debts remains on our credit report. This debt is still being reported to all three credit reporting agencies, and most notably, XXXX has continued to show the balance, late payments, and the debt to date. We expect immediate action to rectify this situation in compliance with federal law. 

Please confirm receipt of this notice and provide an update on the status of the removal of the aforementioned debts from our credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX Date of Birth Mark : XXXX Date of Birth XXXX : XXXX Last four of social for XXXX : XXXX Last four of social for XXXX : XXXX
Product: Bank account or service

Over the course of the past 2 weeks I have been dealing with fraud on my account with Wells Fargo. There have been XXXX major claims filed and each time I am hearing that it may be up to 10 days before it is resolved. Before the first issue is resolved, another fraudulent activity has shown up. I can not even get back to XXXX. I ca n't close the account because I cant get my money out. I have no way to live on a daily basis because I can not get my money back to pay bills, the mortgage, put gas in my car, or buy groceries for my family. Wells Fargo seems intent on following protocol and letting my family and me suffer. I am not getting anywhere talking to them and I am just a series of case numbers to them. All of this time I am getting overdraft fees and other fees related to someone else draining my account! It does not matter that they say they will take care of it in less than 10 days because right now I am drowning!
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX - XXXX - My information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. 

XXXX XXXX XXXX - XXXX - My information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. 

XXXX XXXX XXXX XXXX  - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! 

XXXX - XX/XX/XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap!