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

I have an account with ComenityXXXX XXXX XXXX A few months ago, I obtained a bill consolidation loan and paid them off. After that, I ignored all their correspondence because I had no need to contact them. I usually ignore all unknown callers because I get so many bogus call about car warranty, etc. On one day, I answered and it was Comenity Bank telling me that I owed {$140.00}. When I protested, they said that I had not included my late fee in the payoff so I had accrued more interest and late fees. On top of that, they are still charging me for XXXX insurance. I contacted the XXXX XXXX XXXX I waited for a letter from Comenity addressing my issue. Instead, I got another bill. They had now dropped the bill down to the original late fee and charges to {$45.00}. But, they added another late fee, interest and {$1.00} for insurance, for a total of {$89.00}. How can it be fair business practice to charge interesr and late fees on late fees. I might not have been as upset about the original late fee, saved myself grief and paid it. However, they did the same exact thing to my husband about three years ago. He paid it off, then they hounded him about an accumulation of late charges and fees til he finally paid them over {$200.00} to get them off his back. He died one year ago today so, of course, I can't ask him to get more details together for you. 
I want this account to be wiped clean, taken off my credit report and closed once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Payday loan, title loan, or personal loan

XXXX is trying repo my XXXX XXXX XXXX XXXX. XXXX. So XXXX XXXX made the orig. Loan w/me on XX/XX/XXXX and that max amount is {$7600.00}. So all payments were made by me and they declare this are 25 payments begin on XX/XX/XXXX to XX/XX/XXXX, I added are of total {$7600.00}. Now they some one else named XXXX telling me they will not release my auto title until I pay the whole principal loan back or else interest keeps rising. So they are demanding I pay them $ {$2100.00} or else they are going to claim I defaulted on this loan, then steal my car. At gunpoint with XXXX  Sheriffs. So this is a crime under penal code 484 and felony crime under Penal Code 487. They got XXXX and have someone telling me his XXXX gang members will kill me if I say anything He idenifies himself as XXXX. I ask him for last name tonight he said XXXX and refused to supply his last name. So I asked where is XXXX XXXX? He replied he didn't know. XXXX in XXXX XXXX should be charged with felony attempted theft and felony attempted car theft, and spend prison time. I've kept this really running good and spent hundreds to keep thisvcar in good shape. If I recieve no reply and XXXX  show up and steal my transportation I swear to XXXX XXXX California and their officials and officers.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I have sent a validation letter to the debt collector on XX/XX/2021. They received the letter onXX/XX/2021.The debt collector responded with send me a bill. Which did not verify my debt.
Product: Student loan

On XX/XX/XXXX, I've decided to make a one time payment of {$18000.00} to Nelnet to pay off my entire balance. I've received a confirmation via email that they've received the payment and will get posted in a couple of days. Days went by and still haven't been posted. And the amount that I paid have been taken out of my bank account. I decided to call Nelnet on 6-15 to ask why the payment haven't been posted yet I was told that they don't see the payment in their system and was asked if I got a confirmation email from them. I said yes and gave them the confirmation number that was given in the email. They looked it up and confirmed that they see the payment came through but still haven't posted it just yet. I was told to give them some time to work through it. Another month went by and the payment still haven't been posted and decided to give them a call again on XX/XX/XXXX. I was told the same, that they've received the payment and will get it posted before interest start to be apply to the balance. I waited again and interest have started to accrue and have called them again on XX/XX/XXXX to confirm with them if it will ever get applied or what's going on with the payment. I was told again that they're working through the issue and have received the payment and it will get posted and the interest that have accrue will be gone since the payment was made prior to XXXX. I again waited for it to be posted but it never did, so call again on XX/XX/XXXX to asked again about the issue. I was told that they received the payment and is working through all the request that have been sent through to them. They're working through it and the payment will be apply and I shouldn't have to make a payment once the payment restart on XXXX XXXX. I was told that if it doesn't get applied by then to call them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have always made my payments on time. For some reason, I realized that there is late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of late since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. Thise account should be corrected right away : XXXX XXXX Balance : {$10000.00}
Product: Credit card or prepaid card

Recent app with Wells Fargo- I have been with XXXX/Wells Fargo since 1987, checking, savings, and in the past CD 's and securities. When I got sick and had to close all of these except for checking, they will no longer approve any kind of credit card because I have no current credit..I have insurance taken out for last ten years never had overdraft, only when I went on SS did they say I no longer guailify for credit
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I reported credit report errors. It's been over XXXX days with no response. I demand action or will pursue legal steps, especially given the Equifax breach.
Product: Debt collection

On  XXXX   XXXX ,  2017 , I wrote a letter to Enhanced Recovery Corporation that also goes by ERC a collection Company, of notice disputing their claim of this alleged debt with their client  XXXX   XXXX  also known as   XXXX   and requested documentation of such, with no response from them. So I filed a formal complaint with the Consumer Financial Protection Bureau case number  XXXX . Enhanced Recovery Corporation or ERC responded back to my complaint on  XXXX   XXXX ,  2017 , stating quote " In response to  XXXX   XXXX  's complaint, ERC has no record of a   XXXX   XXXX   account matching his information ''. I have confirmed with the credit bureaus   XXXX    and  XXXX   XXXX  that Enhanced Recovery Corporation is reporting this alleged debt twice once under the  Name Enh anced Recovery Corporation and the second under ERC. Enhanced Recovery Corporation and or ERC are still not reporting to the credit bureaus that this account is in dispute and still not have provided the documentation as requested of this alleged debt as required by law and are in violation of the Fair Debt Collections Practice Act ( FDCPA ). They have intentionally misrepresented the truth to CFPB and I have the supporting documentation from the credit bureaus stating as such.
Product: Mortgage

I recently had a change in mortgage loan servicer. The new company named Seterus has acted very predatory. They have placed collection calls to me if the payment is not made on the first and I have always paid within the grace period by the XXXX never a 30day late payment. When I have complained to them, they say I can request only in writing, for them to stop calling. A written request from me is the only way they will consider avoiding this horrassment. When they first took over service, without any notice they dispatched a local contractor to enter my home, change the locks and remove my belongings. Needless to say I was alarmed! The XXXX guys at my door showed me showed me Seterus work order and gave me an XXXX number for a service contractor based in some other state. The contractors would not give me there names or provide any identification. I have everything documented for this action. The latest go around with Seterus involves unjustified charges on my loan account. They told me on the phone that I could stop the collection of property tax escrow ( not a requirement of the note ). Again the request must be in writing and they gave me a persons name a fax number to send. So I produced a written request and faxed it in early XXXX. Three weeks later they wrote back and said they were processing my request. On XXXX XXXX I made a regular payment for P & I but did not include an escrow amount. So today I got a call from Seterus again, this time demanding the escrow amount and a {$65.00} late fee. XXXX their representative never stated their statutory legal statement that they are a debt collector, but she did go on to affirm that they recieved my payment however she would not refund or strike off the late fee charges. XXXX put me on long holds at least three times and said she was trying to clear up the escrow issue. Again the standard statement was : that I could send them a written request to write off the late fee. Instead I told XXXX a representative of Seterus not to call me for any reason unless my loan is thirty days past due. I further stated that we are in dispute and it should be resolved in writing, " therefore I stated '' " do not call me for any reason, unless I am more then thirty days past due ''. She replied " they will continue to call every five days ''. I did n't think it was legal for a debt collector to act this way. Hence my description " preditory ''
Product: Debt collection

Conn APPLIANCES on XX/XX/2017 {$2800.00} this company is trying collect money from me that i dont owe this is a duplicate account they keep reporting it to credit bureau every month
Product: Debt collection

Good afternoon, there is a collection in the amount of {$260.00} with ERC out of XXXX Florida. They are attempting to collect a debt for XXXX  cell phone service. We tried contacting XXXX but they were bought out by XXXX. 

Originally we opened an account and bought phones thru XXXX XXXX. We were told we had 15 days to return phones and cancel service. XXXX and XXXX XXXX obviously do not work in harmony as we got collection calls down the road over a debt that we didnt even know existed nor should it have. I tried contacting ERC and they are virtually impossible to deal with but the bottom line is this really shouldnt have ever been in collections at all. We would like this to be completely removed, and I honestly dont even care about the money if it went to XXXX  because of XXXX XXXX error, but I dont feel its just
Product: Debt collection

Dear Wakefield and Associates, I am writing in regards to a collection listed on my XXXX credit report. The collection is dated XX/XX/2020 and is for {$1100.00}. 

I am disputing this collection. I have not made any payments on this debt and do not recognize it as mine. I was not aware of this debt until I recently reviewed my credit report. 

I am asking that you verify the accuracy of this collection and provide supporting documentation to validate the debt. If I do not receive a response within 30 days, I will consider this debt as invalid and request that XXXX delete it from my credit report. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've mail a letter XXXX XXXX  asking to about out per FCRA federally protected rights but, the item is still on my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX Email : XXXX Complaint/Dispute Department XXXX XXXX XXXX Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX Dispute XXXX. XXXX XXXX XXXX, TX XXXX XXXX   dispute tips XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX XXXX : Dispute on Credit Report and Score ( collection item ) Dear Sir or Madam : I recently obtained a copy of my credit report from your agency and XXXX XXXX and found the following item to be in error showing a collection item on my credit report from Midwest Recovery SYS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX at XXXX the Collection Agency claiming I owed over {$600.00} to XXXX XXXX XXXX XXXX XXXX XXXX. This was fraud on the part of the collection agency. 

When I called the hospital XXXX XXXX XXXX XXXX XXXX and was told me all the bills were paid in full from my insurance ( XXXX and XXXX ) with the exception of an {$80.00} co-pay the only outstanding item and had not been billed yet. ( Please see email from XXXX XXXX, Supervisor dated XXXX, XXXX XXXX ). Showing account is paid in full. 

So I paid it anyway even though. I was out of the country in XX/XX/XXXX ( the date the date they stated the bill was generated ). This Does Not Make Sense. 

I paid the {$80.00} anyway to make sure I had no issues with my credit report. As Im applying for a mortgage ( see invoice marked paid ). 

Lets not forget to mention Midwest Recover SYS, has been REVOKED AND HAS AN F rating with the XXXX XXXX XXXX ( see report enclosed ). For scamming people. This is the worst rating any business could get and should be shut down. 

DISPUTE II My report shows a hard enquiry from what I found out was XXXX XXXX. I have never applied with this company at any time.

1. I dispute any report from the collection agency and request my present credit score be restored based on payment history in totality. As this is not accurate on my credit report.

2. I am requesting that all items and score be ( updated ), and remove the erroneous reporting and reflect an accurate profile and my credit score. 
XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : XXXX XXXX Attorney at Law New York State Attorney General
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Factual Data - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 

XXXX XXXX  XXXX - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 


XXXX Factual Data - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find an unauthorized inquiry on my credit report, and I have no idea why. I check my report regularly, and this time, something was seriously wrong. I even refreshed my browser, hoping it was a glitch, but the issue persisted. This is extremely frustrating, and I demand that my submitted documents be reviewed immediately so I dont have to deal with this stress ever again.
Product: Checking or savings account

I had scheduled e-checks with Bank of America to send {$220.00} to my son 's violin teacher by the end of each month. However, on XX/XX/year>, I realized the check had not been sent to the teacher. Upon reviewing my account, I discovered that it had been cashed. After contacting the bank, I learned that the check had been sent to the wrong person and address. I have no idea who the recipient is. 

Since then, Ive spent hours on the phone with various representatives trying to resolve the issue. The bank eventually acknowledged their mistake, but then required me to complete a notarized form and mail it back to them to confirm the problem. I had to pay {$15.00} for notarization and {$3.00} for mailing, all for a mistake that was entirely the bank 's fault. 

I have been waiting for reimbursement ever since, but whenever I call, not only do I have to spend at least 30 minutes on hold to reach the right person, but Im repeatedly told it will take more time and that I need to keep waiting.
Product: Credit reporting or other personal consumer reports

There are several inquires on my credit report that I did not authorize. However I felt it wise to send a letter, opting out of any and all consent to all the companies in the following attachments. 
As a result, Equifax needs to remove the inquires in the following attachments from my credit report immediately.
Product: Checking or savings account

About three weeks ago my bank account was blocked. Citibank told me several times that they would be sending a letter to my address so that I can pay my bills and use my checking account. It still has not arrived. When speaking with representatives over the phone they ask many invasive questions repeatedly and waste time. I am not sure why they do this.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account or get rid of it below : UPSTART NETWORK INC. XXXX
Product: Credit card

Bread Financial, formerly referred to as Comenity Bank or Comenity Capital Bank, closed my JCrew store credit card account without providing any advance notice either in writing or electronically via email. My account was fully up-to-date, with no outstanding payments due. Due to this, my credit score was negatively impacted, which adversely affected my financial standing. 

On XX/XX/2023, I contacted Customer Care at XXXX to seek assistance regarding the unexpected closure of my account. The bank 's automated system stated they were unable to reopen the account and immediately terminated the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX ; XXXX  DEPT OF ED/XXXX  DEPT OF ED/XXXX   XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX  ; XXXX  DEPT OF ED/XXXX DEPT OF ED/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX ; XXXX DEPT OF ED/XXXX DEPT OF ED/XXXX   XXXXXXXX XXXX
Product: Debt collection

Someone open an account under my name and I went in store and they told me to file a dispute and i did and its very upsetting Because a creditor not supposed to either sell or put fraudulent account on anybody credit and XXXX did that to me and I want everybody to XXXX XXXX is the worse company and I will talk to my lawyer until they remove all fraudulent account from my account because they havent sent me proof that I sign any paper with my name because I never had XXXX they will hear from my lawyer very soon
Product: Credit reporting or other personal consumer reports

please check the information concerning the equifax data breach below attachments please check the information concerning the CHC data breach below attachments