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

I had just gotten a XXXX  XXXX  card which is through Comenity Bank. I used it 2-3 times during the first month. I have been trying to pay my bill for over a month online and on phone unsuccessfully, while it is accumulating interest. For a few weeks when I call they said their offices were temporarily closed due to unforeseen circumstances. Now when i call they keep you on hold and don't answer. Today i was on hold for XXXX hours before I hung up. 

I checked their facebook page and they have a notice I will post below. There are thousands of comments of people having the same issue and they are saying the bank is a Fraud. Please advise me what to do. This is the message : " You can service your account online using EasyPay and Account Center or by phone using our Automated Voice Response System. If you would like to speak to a member of our customer care team, you may experience longer than normal hold times. 
We know our recent system disruptions have been frustrating and inconvenient for some of our valued customers. We strive to deliver best-in-class experiences, but we have recently fallen short of the quality service you expect and deserve, and were committed to improving. Thank you for your patience. FAQs : XXXX XXXX
Product: Student loan

MOHELA has provided conflicting information about when I will receive my refund check for overpayment/credit on my account. I am owed {$650.00}. My loan forgiveness is effective as of XX/XX/year>. I've spoken to MOHELA numerous times as to when I would receive my refund check. I was initially told it would be XXXX business days from the date MOHELA notified me that my loans were discharged, and the date of that letter was XX/XX/year>. When I did not receive a check after XXXX business days I called back and was told it would take up to XXXX business days from the date of XX/XX/year> when this refund begun " processing. '' Either way, this is an incredibly long period of time from the original date of my loan forgiveness in XX/XX/year>. Withholding/delaying these payments for so long is incredibly irresponsible and causes financial harm. I can not even trust that " XXXX business days '' is accurate from a certain date because I receive conflicting information every time I talk to MOHELA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me  that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible .. XXXX XXXX ( Original Creditor : 07 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 10 XXXX  XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 11 XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Student loan

I refinanced my student loan in XXXX of 2007. I have been making on-time payments on this private student loan for more than 10 years. Recently, another company began claiming that I owe THEM a balance for an additional private student loan. They are claiming that my loan was " paid forward '' 10 years, and that it was not in fact " paid off '' when I refinanced my loans via another company. This information was never communicated to me. In addition, the amounts they are claiming I owe do not match. There are typos in their correspondence that makes it very unclear what the actual amount " owed '' is. They refuse to tell me who " paid this loan forward '' 10 years ago. They have provided no proof that this is a valid debt owed, other than single page letters with simple verbiage saying that it is valid. There is ZERO documentation to show a history of this account or signatures of any kind. They sent a promissory note that says the loan is owned by XXXX XXXX, no mention of their company name, Navient. The amount shown on the promissory note does not match anything else I have either. In trying to talk with them to understand what is happening, they simply tell me that I must pay them in order for them to help me. This appears to be completely fraudulent, and they have provided absolutely nothing proving otherwise.
Product: Credit reporting or other personal consumer reports

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to CAPITAL ONE AUTO FINANCE. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within XXXX business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter.
Product: Credit card or prepaid card

XXXX XXXX Closed my Account and would not give me a reason why I spoke to XXXX  and XXXX XXXX is a manager at the call Center I made nothing but on time payments Never late and both the manager and customer service rep were rude. I Asked About the payments Because the Automated system said my account was paid off when it wasn't And they reported to the beaurues that I closed the account which I did not they did and are not willing to reinstate the account I am building credit have nothing in collections and used the card responsibly and made all payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

- I have bought a washer from best buy with their store credit card. 
- I didn't receive the credit card more than 10 days after. Called and been informed them and they were claim that they fixed it and will resend it again to the correct one. I setup auto payments during the call. 
- 2 months iam calling that no card is showing and every time they claim that yo verify my identity they have to send a letter to the same wrong address! My credit score goes XXXX point coz of a washer i have its whole amount! I asked them to report the issue to the credit bureau. They didnt. 
- i called and asked for a supervisor, he lies to me and say if you pay now and made the debt below 30 % you will get your previous score again. I did pay at once. He fixes the problem. I get my card but my score didnt get back to its original status.
Product: Debt collection

Hi, My name is XXXX XXXX XXXX and recently I have been receiving collections notices in the form of calls and paper notices. They are coming from Credit Protectors Association and said the creditor was XXXX in the XXXX. They are looking for an XXXX XXXX XXXX, not XXXX XXXX XXXX, however they have my phone number as well as my parents address. I lived in XXXX XXXX, XXXX from XX/XX/XXXX- XX/XX/XXXX however I did not use internet or phone while down there. I have never heard of this company before and I am worried that this is an identity theft issue. 

Thank you so much for your time, XXXX XXXX XXXX
Product: Debt collection

My wife handled all of our bill paying up until she died last XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My wife always got the mail, I never even had the mail key til she died. Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX ( bought debt from XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX. My credit report says these companies I also have debt with despite me not taking out cards or loans with them : XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX. Please investigate these fraudulent accounts and see who actually took them out in my name.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several item there to be inaccurate. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

The items below should all be removed from my consumer report under 15 USC Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I demand the following accounts be verified or removed immediately : 1. XXXX XXXX XXXX. 
2. XXXX XXXXXX/XX/XXXX 3.XX/XX/XXXXPlease remove all non-account holding inquiries over 30 days old. 
Please add a Promotional Suppression to my credit file. 



Thank You,
Product: Debt collection

Halsted Financial Services has violated several of my federally protected rights and I have notified them of such actions. Halsted Financial received my mail on XX/XX/XXXX and has failed to compensate me for each federally protected violations under the Fair Debt Collection Practices Act. Halsted Financial is in violation on 15 USC 1692a ( 2 ) as Halsted Financial Services used email, and postal service to communicate with me the consumer ( natural person ).

Halsted Financial is also in violation of 15 USC 1692a ( 4 ) as they stated that XXXX XXXX XXXX  was the original creditor but the term creditor states that it is a person who offers or extends credit creating a debt so I am in fact the original creditor. 
Halsted Financial is in violation of 15 USC 1692d ( 2 ) as saying that I am in debt when I am in fact the creditor is obscene and profane language to me.

Halsted Financial is also in violation of 15 USC 1692b ( 2 ) as it states that you can not state that a consumer owes any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

After numourous attempts of dispuit negative information on my credit reports. They have failed to provide me, proof of contracts and proof of my consent of inquiries and negative credit reporting on my report under Fair credit Reporting and Fair Credit Act laws. EXPERIAN has also went as far as, telling me, I can not dispute negative items cause they were already disputed, yet, they have provided me with no proof of permission I have given for inquries, and, proof that, I have contracts with, and, have given these companies permission to report on my credit report, under Fair Credit Reporting and Fair Credit Act laws.
Product: Debt collection

I am a victim of identity theft. I have viewed my credit report and saw accounts that I did not authorize and DO NOT belong to me. They are on my report without my consent and without your knowledge of them being XXXX  % correct. They cant be correct because they arent mine. 
These accounts are not mine and invalidated and need to be deleted immediately! 

ACCOUNTS : XXXX  XXXX ACCOUNT # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with REGIONALAC was never late! I have had exceptional payment history with REGIONALAC and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

REGIONALAC Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Mortgage

XXXX   XXXX ,   XXXX   My elderly Mother  XXXX   XXXX   XXXX  who suffers from a host of medical concerns that include, but are not limited to ;   XXXX   XXXX   ( legally  XXXX  ),  XXXX   XXXX   (    XXXX   XXXX   ),  XXXX ,  XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX   was instructed by Vanderbilt Mortgage  (   XXXX   XXXX   XXXX   )  to delay making her monthly payment until after the first of the month. This instruction was issued without any loan modification agreement to reflect any changes in her payment schedule based upon her current loan agreement.   I have had an opportunity to obtain and review a Vanderbilt Mortgage 's " Early Foreclosure intervention '' document dated  XXXX .   It certainly raises concern that Vanderbilt Mortgage is advising a customer to delay remittance of payment in an attempt to place the account holder in a " foreclosure '' posture. The account holder owes approximately  XXXX  on a property valued at  XXXX  and refuses to release the lien on an attached parcel valued at  XXXX .   This type of behavior by any lender is despicable and absolutely intlolerable.
Product: Student loan

My previous complaint was recently closed and did not answer my question. I asked fedloan about why I am still being held responsible for 2 loans that clearly show the disbarment was cancelled and also states {$0.00} of {$2000.00} was disbursed & {$0.00} out of of {$1000.00} was disbursed, they stated the reason it shows cancelled is in regards to the second disbursement. However, when I view the loan period for said loans the dates show XX/XX/XXXX-XX/XX/XXXX. How could there be a second  disbursement made in XXXX when thats after said loan period? Also, why were 2 of the 3 second disbursements cancelled and not the other? That does not make any sense how you would cancel 2 second disbursements but allow 1 other to be disbursed. If what your saying is accurate then I would be charged for a second disbursement ( that you claim was disbursed ) on my loan breakdown but it does not appear. Whats even more concerning is that at the top of the total loan breakdown it shows {$4800.00} total owed, {$1700.00} original amount awarded ( coincidently the same amount as ONE loan that was disbursed, ONE time. ) I am requesting all documentation relating to every disbursement that was ever made, cancelled or not, every cancellation and copies of the alleged second disbursement that was cancelled for 2 loans as well as the second disbursement that was successfully awarded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX Consumer Relations Department XXXX XXXX XXXX XXXX, OH XXXX Subject : Unauthorized Hard Inquiries on My Credit Reports Dear Sir/Madam of XXXX XXXX I hope this letter finds you well. I am writing to bring to your attention a matter concerning unauthorized hard inquiries on my credit reports, which I believe to be fraudulent and in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request that XXXX XXXX XXXX ( XXXX ) promptly remove these inquiries from all three of my credit reports. 

Upon reviewing my credit reports, I discovered that XXXX hard inquiries were made on XX/XX/2023, and XX/XX/2023, respectively. I would like to emphasize that I did not authorize these inquiries, nor did I have any prior knowledge of them. These unauthorized inquiries not only impact my credit score but also raise concerns regarding potential fraudulent activity. 

As evidence of these unauthorized inquiries, I have attached screenshots of my credit reports clearly showing the details of the inquiries. I kindly request that you thoroughly review the attachments to understand the unauthorized nature of these inquiries. 

Under the FCRA, consumers have the right to dispute any inaccurate or unauthorized information on their credit reports. According to Section 1681b of the FCRA, entities seeking access to an individual 's credit report must obtain the consumer 's written consent before pulling their credit records. As I did not provide authorization for these inquiries, I believe they are in violation of this provision. 

I kindly request that XXXX immediately investigate this matter and take appropriate action to remove the unauthorized hard inquiries from all three of my credit reports. I also request that you provide me with a written confirmation once the inquiries have been removed. 

I trust that you will handle this matter promptly and in accordance with the law. If necessary, I am prepared to take further action to protect my rights under the FCRA. 

I look forward to your prompt attention to this matter. Please contact me at your earliest convenience to discuss the steps being taken to resolve this issue. Thank you for your cooperation. 

Yours sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX Inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hey my name is XXXX XXXX XXXX. I have discovered unauthorized fraudulent inquiries on my XXXX XXXX credit report THERE ARE XXXX  XXXX XXXXXXXX INQUIRIES And XXXX XXXX XXXX XXXX  service inquiry DATED FROM XX/XX/2023, XX/XX/2023, XX/XX/2023 XX/XX/2023 XXXX XXXX XXXX XXXX15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These inquiries should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the inquiries, listed IMMEDIATELY!
Product: Credit card

I did a debt consolidation loan in XX/XX/year> and my financial insustition mailed out cashier checks to all my debts. The check was cashed but never applied to my account, i have requested ongoing investigation on how this happened and where the money has gone. They just advise that they can not locate the funds. The check has the appropriate address and account number. This is now impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and XXXX, TransUnion and XXXX have yet to correct the following issues. Please I need help as this is affecting and holding me back from purchasing a new home. 

report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. 

I asked them to remove any names and addresses that are not associated with the documents I have attached for reference
Product: Debt collection

I have a credit card on my credit report that was opened in XXXX that I have no knowledge of. I never went to XXXX XXXX, never bought anything from XXXXXXXX XXXX, and certainly didn't open a line of credit if i didn't buy anything. Now that the account is reporting past due on my credit report and negatively impacting my scores. I need this account removed immediately. 

This is a fraud account that I have no recollection of. I am currently trying to buy real estate and this is holding up a real estate transaction. 

Please expedite COMENITY BANKXXXX XXXX XXXX XXXX XXXX, OH XXXX USA