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

XXXX/Comenity misapplied my payment and refuses to credit my account. 
Payment mailed XX/XX/XXXX ( paper check ) Payment cleared my bank XX/XX/XXXX ( credit card company processed without returning the check to the bank ) When the XX/XX/XXXX statement appeared with the unpaid amount I contacted XXXX via phone ( call reference XXXX ). 
XX/XX/XXXX received letter from XXXX/Comenity that they received my claim and were researching. 
XX/XX/XXXX received letter from XXXX/Comenity they need more information XX/XX/XXXX I provided XXXX/Comenity a ) screen shot from my bank statement showing payment to them cleared XX/XX/XXXX b ) XXXX XXXX Trace ID for the transaction c ) XXXX XXXX Transaction code ( sent via their on line ) secured message system XX/XX/XXXX received acknowledgement from XXXX/Comenity of the submitted documents via their secured message system. 
XX/XX/XXXX received a letter from XXXX/Comenity closing my account as requested XX/XX/XXXX received letter from XXXX/Comenity stating they need additional information ( again ) XX/XX/XXXX I US mailed the same information previously sent XXXX via secure message along with a cover letter that I would be happy to have a conference call with my bank XX/XX/XXXX received letter from XXXX/Comenity stating they are unable to verify they received the funds. 
XX/XX/XXXX Used the XXXXComenity secured message center to complain of the on-going inability to determine where my payment was applied. Again I offered to conference call my bank to resolve. 
XXXX Sunday received a call attempting to collect the past due amount- explained the amount is in dispute. 
XX/XX/XXXX received a response from XXXX/Comenity via their secured message center stating the issue was resolved ( i.e. their final determination was they can't find my payment ) XX/XX/XXXX respond via the XXXXComenity secured message center that I was filing this complaint.
Product: Debt collection

I let them know that it was identity theft and I did not owe them anything but yet it's still on my credit and it's more than one account
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 i
naccurate 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 :  USDOE/XXXX XXXX  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 :
USDOE/XXXX   TransUnion LLC 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
: USDOE/XXXX
Product: Credit card

Since XX/XX/year>, I have been calling and disputing fraudulent charges that occurred with my credit card when it was lost. The charges that I have been disputing are ALL charges from the date of XXXX XXXX thru XXXX XXXX. Ally credit card customer service is horrible. They are dishonest, do not listen and do not put down what the customer is saying. My last phone call to Ally Credit Card Company 's Fraudulent department was XXXX XXXX. I will not name names due to the understanding of confidentiality and respect for those humans. I was told to allow time for a supervisor to call me back. I have made minor payments on the card, even still. My account is currently closed. ALLY credit are liars and fraud. The staff need to be changed as they are liars, not doing their job. This is the only low mark on my credit. ALLY credit staff need to be retrained on how to input consumers information when calling and disputing fraud. The fraud department is NOT honest nor are they doing their job.
Product: Mortgage

Attached with this complaint there will be a letter of complaint, modification proposal documents, mortgage payoff statement, QWR letter that was sent to Nationstar, QWR documents sent to Nationstar, Nationstar response and envelope, QWR letter XXXX, and QWR documents to be sent XXXX. 
In brief I have been dealing with this mortgage matter for over 6 years. Due to stage XXXX XXXX that was diagnosed in XXXX 2007 that require XXXX treatment. Because I could n't work for a year I was encountering financial hardship. Due to the advertising on behalf of banks XXXX I inquired on the possibilities of getting a modification. I was at the time accepted by XXXX XXXX XXXX to enter into the process based on financial information and hardship letter. additionally, XXXX XXXX XXXX stated repeatedly " There is no reason the bank should n't give you a modification, your the poster child for the program and reason it was formed ''. From the onset and hence forward I have encountered deceptive lies, intimidation, and abusive unethical trade practices and getting the runaround on behalf of XXXX Nationstar Mortgage. I spent 2 years 4 months in the mortgage modification process, and basically another 3 years 10 months in the legal system. I was illegally foreclosed on, and therefore subjected to the illegal foreclosure mill process. Where the is evidence of robo signing, illegal assignments, transfers and double tracking. I 've been through and FED eviction trial and have had to file for an appeal. The case is now in the Oregon Court XXXX. At some point the foreclosure was rescinded and am now being a modification with excessive, advances and expenses. 
I would greatly appreciate your help with this matter in determining the truth, ownership and history of my loan and a just resolution to all the pain and suffering that has affected my career, physical, mental, spiritual, and financial wellbeing beyond any level of comprehension.
Product: Bank account or service

On XXXX XXXX I opened a simply right checking account online with Santander Bank because of a promotion being run for a {$150.00} bonus. As per the terms, my account has been open and in good standing for more than XXXX days and I have funded said account in excess of {$500.00} through direct deposit. As per their terms, the bonus would be credited within 30 days if all terms were met. I have met said terms and contacted their customer service by phone 7 times and email once. I have been told multiple times that it would be credited on a certain date, and it still has not.
Product: Credit card

On XX/XX/year> I was informed I had a new message on my account. I was unable to view this message but I did see a note that my account has been closed. I called Discover customer service, who confirmed the reason for closure was inactivity. I was NOT informed of this closure prior to this date. Discover insists they provided notice in XXXX, which was sent by mail, but I did not receive this notice. Discover confirmed to me on XX/XX/year> during the same phone call that they did NOT attempt to contact me further because the post office did not return the letter. Discover has my phone number and email, and did not attempt contact or any kind to these two contact methods.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding several attempts I have made to correct the late open account and remove the charge-off from my credit report. I believe that there have been inaccuracies and errors on my credit report that are negatively impacting my credit score and financial well-being. 

Below, I am providing you with a summary of the issues I have encountered : I have repeatedly tried to correct the inaccurate late open accounts listed on my credit report. These late open accounts are not reflective of my actual credit history, and I have never been late on any open accounts. Despite my diligent efforts to rectify this issue, it persists, affecting my ability to access credit and other financial opportunities. 
Additionally, I have been working tirelessly to have the charge-off account removed from my credit report. This charge-off account does not accurately represent my financial history, and I believe it is an erroneous entry on my credit report. I have provided the necessary documentation and information to prove that this account should not be considered a charge-off, yet it remains on my report, causing severe harm to my creditworthiness. 

I have made numerous attempts to resolve these issues by contacting the respective creditors, submitting dispute letters, and providing supporting documents, but there has been little to no response or resolution from your end. I understand that accuracy in credit reporting is crucial, and I am committed to maintaining my financial integrity. 

I kindly request your immediate attention and action in investigating these inaccuracies on my credit report. I expect a thorough review of the information I have submitted and prompt correction of these errors. I also request that you provide me with written updates on the progress of this dispute and the results of your investigation. 

Furthermore, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am prepared to take any necessary legal actions if these discrepancies are not resolved in a timely manner. It is my hope that such actions will not be required, and we can work together to rectify these inaccuracies promptly. I am asking for your assistance to correct or remove the accounts : XXXX XXXX Balance Owed : {$6700.00} Date Opened : XX/XX/2020 I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. XXXX XXXX Balance Owed : {$0.00} I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit card or prepaid card

XXXX not sure if what I experienced was corporate fraud, identity theft, or a weird accident. But remembering the XXXX XXXX scandal from a few years ago, it seems possible that XXXX ( or their financial institution, Comenity Capital Bank ) may be engaging in a similar fraudulent creation of customer accounts. 

About a week ago ( XX/XX/XXXX ), my bank alerted me to a hard credit check on my social security number from Comenity/XXXX  XXXX I havent requested any new accounts in a long time, much less from a cosmetics store, and I immediately set a credit freeze with all three credit bureaus on XX/XX/XXXX. A few days later on XX/XX/XXXX, I received a totally unasked-for XXXX visa credit card in the mail. I called and had it canceled/retracted ( on the XXXX, I think ), and XXXX customer support didnt seem to have an explanation for it. In theory, its handled now ; but XXXX a little mistrusting of corporations and thought you should be aware, just in case this is part of a broader pattern of fraud.
Product: Checking or savings account

This account was opened on XX/XX/2021. I use it for deposits from a rental property. On XX/XX/XXXX I logged into the account in order to make an outgoing transfer and the account had a 'restricted ' label on it. I called Comenity ( the bank ) and they said the account was restricted on XX/XX/XXXX and they confirmed that I had not received any notice/communication that the account had been restricted. While on the phone with the bank on XX/XX/XXXX, I was told that the account was not restricted due to fraud but they could not tell me why it was restricted or when it would be unrestricted. They also informed me that while the account was restricted on XX/XX/XXXX, there were no notes on the account as to why it was restricted and there were no updates regarding the account since XX/XX/XXXX meaning it was in a restricted status for over 14 business days without an update. 

At the moment I am unable to withdraw funds from the account but am able to deposit funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquires on all three bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on multiple occasions to cancel my Experian credit monitoring. I am on hold for over an hour each time I call. 

Last time I was on hold for 96 minutes then someone answered and hung up the line. 

They take XXXX dollars per month and I have no way of canceling my service. I try to cancel online, only to be referred to call and cancel. 

This is fraud and must be stopped.
Product: Credit card or prepaid card

On XX/XX/22 I got a invitation to apply for a second credit card see attachment ... I applied but they denied me saying I have a prior application yet they sent a invitation..as the result I got a inquire on tranaunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act these companiesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 Sub Section 6802 B : the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ;
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. This account was paid and also the date last active is inaccurate it cant be 3 different dates there are so many inconsistencies across the bureaus XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
XXXX. This account is reporting unverified inaccurate information and must be removed i have paid this account in full and it must be removed XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
XXXX. This account was paid and also the date last active is inaccurate it cant be 3 different dates there are so many inconsistencies across the bureaus XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX XXXX Account XXXX : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
Product: Checking or savings account

I experienced fraud transactions on my acct with us bank, several were credited back but others werent. I expressed to US Bank I didnt authorize the transactions because I have been dealing with a an illness thats required me to have treatment and at times Ive spent multiple days in the hospital. On XX/XX/22 a rep called me asking for me to send my medical paperwork to them if not they would reverse provisional credit. I informed her that it would take me more time and she said I needed to do it by end of day Ive been sick, my XXXX causes me to exp weakness multiple days of throwing up and Ive been in and out of hospital. I dont understand why US bank is asking me for my medical docs as my doc stated its a HIPPA violation, I expressed this multiple times to them and no resolution and I havent received my funds back.
Product: Credit reporting or other personal consumer reports

I ask them to remove inquiry off my credit report because it was unauthorized
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$8200.00} DEPTEDXXXX XXXX Balance Owed : {$96000.00} XXXX XXXX XXXX Balance Owed : {$0.00} - DPT EDXXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX Balance Owed : {$1900.00}
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Collection Management I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Mortgage

I am currently three months in default on my loan. I am able to make a payment around 1700 a month continuously until my income increase. I don't want to go into foreclosure. My lender has not reached out to me to do a face to face. I need your help as I don't want to wait until it's too late. Please audit my mortgage and make sure that their are not any improper charges added or calculations not properly deducted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Pa Equifax, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Ace Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Pa XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau stated my account was properly investigated, unfortunately that is inaccurate. Many inconsistencies regarding matching data information. They also violated my rights. 15 USC 1681 section 602 A. States that I have the right to privacy. 
15 USC 1681 604 A section 2 States that a consumer reporting agency can not furnish a account without my written instructions