23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Comenity Capital Bank acquired the XXXX XXXX Account from XXXX, which Comenity later named Dell Pay. Upon receiving notice from Comenity, I was unable to use the online portal to even access the account, up to and including to make payments on the account. I contacted the company about this issue after receiving several unsolicited debt collection calls, where I was directed by an associate of Comenity to use " XXXX '' to make the payments on the account. At some point, Comenity claims I made a " cease and desist '', which I did not. I simply instructed Comenity to cease calling my phone number, which is listed on the National Do Not Call Registry. Such calls that were placed were strictly for debt collection, requiring a type of consent that Comenity did not have, when Comenity did not have any consent at all. I have since had my account restricted, not once but twice, wherein Comenity states that I since I do not wish to be contacted by them the account is restricted to my use. Comenity also has reduced the credit limit on the account, without providing an adverse action notice that meets the content requirement applicable for such, namely by not stating four reasons they reduced the limit. Comenity has also further refused to provide a copy of the agreement despite requesting such agreement be sent to me several times through their online access portal. They are represented by Attorney XXXX XXXX, in an arbitration claim. XXXX XXXX states that they will not exchange any documents until some arbitrary hearing in such arbitration. I still have not received a copy of the applicable card agreement as requested. The attached " notice of adverse action '' which was provided by Comenity to me via USPS first class mail, amounts to the credit limit being reduced simply because I didn't mean their scoring requirements. While it lists " factors that impacted my score '', there is absolutely nothing that says anything remotely close to " the reasons for we decreased your credit are : ''.
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 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
Product: Credit reporting or other personal consumer reports

This is my seventh time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, Address ID : XXXX / Report number : XXXX I can not receive mail or any correspondence nor do I have access to any of these addresses, please delete these outdated addresses and update the addresses with the XXXX above. 

Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 
Pursuant to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 4 ) am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send and updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Transunion is continuing to report XXXX accounts have been recently deleted due to no/cancelled contract. Disputed via phone as well as fax and online. 

1. XXXX # XXXX 2. XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept deletions of unauthorized erroneous items instead of taking legal action for the violation clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. i'm unaware of any of this. All is being investigate by the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

Hireright told a possible employer there were discrepancies in my education information. Stating that i lied and i did not receive XXXX  but a diploma. In the application i completed under question " what degree recovery ''. It does not provide the answer DIPLOMA and it does not provide a space to type in DIPLOMA so i choose the best option. That is their error and they shared falls information with company who did not hire me
Product: Credit reporting, credit repair services, or other personal consumer reports

SENT FTC AND CFPB WITH XXXX, TU, AND XXXX TAKING LONGER THAN 30 DAYS show tooltip button XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXDispute XXXX/XXXXDispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX/XXXXXXXXUnder Dispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Personal Information NamesAddressesDOBSSNPhone Numbersshow tooltip button 34 personal information entries View All Accounts Credit CardsMortgagesLoansshow tooltip button 31 accounts, 14 potentially negative View All Inquiries For AccountsBy Employersshow tooltip button 42 hard inquiries Not Disputable Online. Details Public Records Bankruptciesshow tooltip button No public records reported
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts has been violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX citizen. 15 U.S.C 1681 section 602 A States I have the rights to privacy. 15 U.S.C 1681 Section 604 A. Section 2 Also states a consumer reporting a gen year can not furnish a account without my written instructions. 15 U.S.C 1681s~2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting angency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to refuse to lift my credit freeze. They keep sending me letters in the mail giving instructions to call the toll free number, submit the request online, or mail the request. 

I have mailed the request 4 times in the last year and the problem has NEVER been fixed. 

I have called the toll-free number. There is no option to talk to a person. I am given a voicemessage saying that I should submit online or via the mail. 

I have submitted the request through their online system dozens of times with the provided PIN code. The request is always rejected telling me to call the toll free number or submit via the mail. 

I submitted a complaint previously through CFPB and Experian 's response was call the toll free number, submit online, or submit via the mail. I still can not get the freeze removed from my credit report. What do I do now?
Product: Debt collection

Company failed to provide written notification of debt. Claims they " emailed '' a written notification but never received. Have included excessive predatory additional charges that they are attempting to collect outside of the fact they already collected the original amount. Representatives are abusive and abrasive via texts and phone calls, deny making excessive phone calls throughout the day even though excessive calls were made. Provides no means to dispute the debt and threaten to place this debt on my credit report with no means to dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get XXXX  snd experian to delete an alleged debt placed on my credit report from XXXX  XXXX XXXX for months. I have filed an ftc report and wrote letters. Now the account is reporting open on XXXX  and remains on Experian. This is inaccurate and misleading with is a violation of my consumer rights
Product: Debt collection

I, XXXX XXXX NEVER APPLIED FOR THIS = CHARGE CARD, FOR XXXX $ THE WEIRD THING THERE IS NO MORE DATA ON THIS FILE = EXCEPT = XXXX  # XXXX XXXX XXXX XXXX ACCOUNT # I WOULD LIKE BACK FROM FINANCIAL LOSSES THE AMOUNT OF = XXXX $ DEPOSITED TO MY BANK ASAP,
Product: Credit reporting or other personal consumer reports

Here 's a reworded version of your statement : Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 a, it is emphasized that consumer reporting agencies such as Equifax and XXXX must exercise their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I am protected under 15 USC 6801, which states that financial institutions have an ongoing obligation to respect customer privacy and safeguard their nonpublic personal information. Moreover, 15 USC 1681 section 604 a section 2 states that consumer reporting agencies can only provide a consumer report with the explicit written consent of the consumer. I have not given my consent for the furnishing of this information to credit agencies such as Equifax and XXXX. 

Furthermore, 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer about their right to request nondisclosure. The entity providing information to credit agencies did not inform me of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in a consumer report without proper authorization. This information is being reported against the law. 

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, it is unlawful to furnish inaccurate consumer information to a consumer reporting agency. Equifax and XXXX are failing to maintain reasonable procedures as required by 15 U.S. Code 1681e, which is designed to prevent violations and restrict the furnishing of consumer reports to specific purposes. Lastly, as per 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

I am writing to complain about Discover, which has repeatedly used deceitful practices to attempt to collect payment on unpaid balances. 

I guess from their perspective they want money no matter how they can get it. 

Discover card has created another division ( Discover It ) which it uses to sell financial products to " lower end '' consumers. This division, I believe, has been specifically tasked with " accidentally '' engaging in payment fraud to cause trouble for their customers. 

On XXXX occasion, Discover scheduled a duplicate payment. Because Discover suspects the customers of their inferior Discover It products have less money, they do this to gauge which customers can be more easily taken advantage of. Since the amount of money is something that can be accessed from third party companies, it is reasonable to think this is no coincidence. 

I contacted Discover about a late payment. I let them know I have no income and no savings ; I simply can not pay. They re-enrolled me in autopay. I believe they have designed their online pay portal to intentionally mislead consumers into believing that they have disabled autopay, only to continue drawing money. 

If I ca n't pay, I ca n't pay. Discover has no right to show their customers fraudulent information and overdraw people who are already destitute just to get as much money as they can from high-risk borrowers.
Product: Mortgage

My loan was just transferred to XXXX XXXX around XX/XX/year>. I had an issue with my payment increasing without notice. XXXX XXXX my payment was XXXX My loan was XXXX recently transferred again and it's another sister company Rosegate and payment issue. My payment has increased again without notice. My payment was XXXX. I went online to pay my mortgage today and the payment has increased to XXXX which is incorrect. My mortgage has increase without notice less than 12 months and there is a serious problem with payment increasing without notice.
Product: Student loan

I am a physician attempting to repay my student loans. This is my third complaint regarding Navient. Most recently, I made a large payment towards my principal and was assured multiple times my monthly payments would be reduced thereafter. 

However, I have been charged the same monthly amount via automatic debit every month since that payment. 

As usual, Navient 's customer service has been useless and dishonest.
Product: Credit card or prepaid card

on XX/XX/ I was served with a charge from Citizens Pay for an XXXX XXXX XXXX Purchased at XXXX XXXX for a charge of {$1200.00}. It is now negatively affecting my credit report and I am hoping to have this record expunged. 
I have contacted citiens one and filed a complaint with XXXX Citiens One claims the account is now closed.
Product: Mortgage

I am having problems with DiTech Financial LLC. I have had nothing but problems with this company for months now. They supposedly restructured and changed my account number and my loan is supposed to mature XX/XX/XXXX and my payoff amount is over {$6000.00} and I have never missed a payment since XXXX. They now claim I owe money for my escrow which has never happened in the past 13 years. They made the changes with restructuring and said I had to have my autopay changed because they no longer could process biweekly payments so I sent paperwork to make a full mortgage payment once a month and for 3 months the payment never came out so I mailed payments to keep from getting behind then once I started complaining about the payoff amount being wrong they suddenly biweekly drafted a full payment in one month almost overdrawing my checking account. I have been calling and they all say they are researching my account to see why the payoff amount is so high to give them 5 to 7 days and they will let me know something I have called never get to talk to the same person then everyone is submitting a dispute claim for me yet no one has done that yet I have no answers after a month now when I call and give my account number their computers crash and they will call me right back as soon as they reboot which has happened with 5 different customer service agents and never gotten a call back. Then when I called back about the autopay the systems crashed again so no one can help me. They are taking my money and doing nothing to research and fix this problem.They changed my autopay draft date without my permission. I am tired of the lies from every customer service agent and getting no help. Please help me with this corrupt company.
Product: Debt collection

A credit card debt I had went to collections XX/XX/XXXX and the amount of {$3400.00}. I never received notification of the original court date. This judgment never showed up on my credit report and I have finance automobiles applied and received more credit cards. 
On XX/XX/XXXX the balance is {$8800.00}. Midland funding LLC turn the account over to a law firm in XXXX Florida XXXX, XXXX, XXXX XXXX. 
In XX/XX/XXXX I received my paycheck and it was {$420.00} short and my pay stub said debt reduction. I contacted my employer state of Florida and was informed that they were served with papers for garnishment. 
The state had to file back and is deducting my wages {$420.00} every 2 weeks. I had no notification I would be garnished or that Midland funding LLC would pursue this after 14 years. 
I'm XXXX woman single income and can not think about retirement because of this debt. 
{$900.00} taking out of anyone 's check monthly is catastrophic. 
I contacted the state of Florida and they were unable to give me any legal advice, I did contact the law firm XXXX XXXX and XXXX who told me there was nothing they could or would do. 
I explained the devastating hardship and I feel that this has been deceptive practice and taking advantage of a senior citizen. 
The case number filed in XXXX county Florida court is XXXX XXXX.
Product: Student loan

I contacted Sallie Mae customer service via chat about different payment plans. They told me forebearance was the only option. I asked for additional information and they said they do not offer any other adjustments to payment plans at this time. I told them of my co-signer and I 's financial difficulty and they said forebearance was the only option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out several times to XXXX XXXX XXXX as well as all three credit bureaus to dispute a XXXX XXXX account on my credit report with a balance of {$870.00}. I have never had an account with XXXX or applied for service thru XXXX. No one has been able to send me anything showing my signature or my supposed signature for validity of this account and I need it investigated properly and removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several inaccurate accounts with XXXX, XXXX  and Transunion that are listed on my credit report ; XXXX/XXXX  - Account was closed and charged off, but there is a balance of {$7700.00}. Balance should be {$0.00}. Also, there are late payments reporting from XXXX-XXXX. How can late payments keep reporting to my credit report when they don't even own this account anymore? 

XXXX XXXX - Account was also closed and charged off, but there is a balance of {$5400.00}. There is a balance, past due amount and also late payments reporting to this account from XXXX! I have no made a payment to this account since XXXX. The creditor has re-aged this account and XXXX  & XXXX  repeatedly says this account is verified and accurate! 
( Transunion did delete this account ) XXXX  XXXX XXXX  XXXX  - Account was closed and charged off, but there are late payments reporting. There is also a monthly payment amount of {$620.00} on a closed/charged off account with a balance of {$0.00}. This doesn't make sense but XXXX of course says again it is accurate and " verified. '' XXXX   XXXX  - Collection account has not been properly verified. This collection was deleted and re-inserted. Also is listing a past due amount and late payments. How can you have a past due amount and late payments on a collection account? 

XXXX XXXX XXXX - Collection account has not been properly verified. Also is listing a past due amount and late payments. How can you have a past due amount and late payments on a collection account? I have disputed this account several times as well, it has never been verified or properly notated with a notice of dispute! 

I have disputed the above accounts with XXXX, Transunion & XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all sent certified mail but they have failed to do a proper investigation to delete this inaccurate information from my credit reports!
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023, my credit bureaus have added a new hard inquiry from an unknown authority. The XXXX XXXX inquiry did not come from my doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act CXXXX, XXXX, Creditor : XXXX, has violated my rights. 
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 an account without my written instructions. 

I am disputing this account, because this lender has committed a fraud under this account, and they need to be accountable to fix this issue on my credit report, if this issue is not fixing, I will hire an attorney to get this resolved.
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 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 

15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2. States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C. ( A ) ( 5 ) 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 conviction of crime 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 the information is inaccurate.
Product: Checking or savings account

You know what happened. Capital One had many of us in a variable rate savings account that paid " some of the highest interest rates ''. Then when interest rates rose generally they failed to raise the rates for these accounts and created a brand new account in name only that the failed to tell existing customers about. I lost XXXX of $ $ in interest because of this. Now I see you are dropping the lawsuit and letting the scammers get away with it?? Since when did the CFPB decide to aid and abet scammers instead of protecting consumers??
Product: Debt collection

ACCOUNT NAME CREDIT COLLECTION SERV Account : XXXX  15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than XXXX years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above