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

XXXX XXXX XXXX XXXX Comenity Bank XXXX charges excessive fees on customers accounts. I feel as if they are predatory lenders  with high interest rates and excessive fees and they should be investigate promptly. I recently opened an XXXX account and I limit my use on this account. I only charge under 100 dollars. I had balance of XXXX for my XXXX bill. I made a payment of XXXX leaving a balance at XXXX. This is where the issue began. I made a payment of XXXX on XXXX/XXXX/XXXX leaving a balance of XXXX cents. XXXX/Commenity Bank charged me a fee of XXXX for XXXX cents on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX there was an additional payment made for XXXX before the bill was due. I did not look at my bill at the time but the XXXX payment should have left a balance in my favor of XXXX but I was still charged fees on the account. <P/>The excessive fees based on their new addendums added to almost every statement and their predatory interest rates this company should be investigated. The last credit score I pulled was at a XXXX. A XXXX is considered good credit, but comenity bankXXXX interest rate is at 25.47 percent. That is predatory lending no matter if a person accepts it or not. <P/>A bank who targets teens should not be allowed to legally give children an interest rate over 25 percent. I will be closing my account as I only opened it in XXXX of this year for a promotional discount they were running but imagine all of the people they are doing this too on a daily basis. I have done business with them in the past and it is the same trickery in their billing. If you owe XXXX cents after paying XXXX why are they allowed to charge you 93 % FEE on your account for XXXX cents. It does not matter the timing or the rules for not paying the full balance. Even the minimum balance due is always a percentage of the total amount not the total amount due. They charge excessive fees, excessive interest rates and are predatory lenders. <P/>They are scammers and someone should investigate them. I will no longer do business with XXXX. No one should do business with this company at all. Any credit cards associated with Comenity Bank should be avoided.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company named CCS has placed a collection account on behalf of XXXX on my credit report. It's in the amount of {$410.00}. I have never had an account with XXXX. They confirmed this via the XXXX  complaint that I filed with them, but they failed to provide this information on a letterhead. The response given to me was that they contacted CCS to remove it from my credit report. I also filed a XXXX  complaint with CCS. They responded asking me for the " account number '' that I do not have for the collection. And they have yet to respond back. However, I've been working with XXXX XXXX theft. With that team I have called CCS and they too confirmed they do not have an account for me. They used my social security number, driver 's license number, maiden and married name, and address and were not able to locate an account for me. The same information was provided to XXXX and they too were not able to find an account for me. When I did file a dispute with XXXX they came back and told me the collection was valid although both companies say it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

We kindly requested MANY TIMES to update my negative credit reporting to the agencies. 
XX/XX/XXXX And XX/XX/XXXX XXXX can attached the bank statements where the payments were made on time! 
During this PANDEMIC PERIOD I tried to explain my hardship situation to the different SPS customer services agents and different letters I sent and Only received the notification of received general acknowledgments From XXXX XXXX, and XXXX Beside that I paid the amounts to qualify for the deferral agreement which was signed until XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an Investigation Report under Confirmation # XXXX from Equifax dated XXXX concerning several unauthorized Hard Inquiries on my Equifax consumer report. According to State and Federal Consumer Laws ( FCRA ) you were required to conduct a reasonable reinvestigation of the disputed information as I requested.

The disputed Hard Inquiries that lack Permissible Purpose as defined per U.S. Code 15 U.S.C. 1681 et seq. Section 604 of the FCRA. XXXX  form is not sufficient as per the above sited laws. 

On XXXX XXXX, The XXXX XXXX XXXX XXXX XXXX ruled that XXXX can not only use XXXX forms to verify consumer disputes. The Court stated that XXXX forms are not deemed as a reasonable investigation as a matter of law. 

Please DELETE these unauthorized Hard Inquiries due to FCRA violations.
Product: Credit card or prepaid card

Discover Card XXXX to XX/XX/2022 about {XXXX} on one card Discover Card XXXX to XX/XX/2022 about {XXXX} on another card. 
Disputed then was transfer to Fraud department. They have investigated and denied refund. 


1- XXXX company made 3-6 charges on top of my charge and on days i didn't make charges. ( this is involving 5 of my credit cards that they have maxed out ). I was charge over 130 charges between my credit cards that i didn't authorized.2-I have redemption ( s ) that was canceled by them.3-I have contacted them since learning of the scam/fraudulent charge begin XXXX thru XXXX, XXXX. They have no number only email. Have ask them to fix/investigate and refund. Was told account was compromise at one point. And they will not reimburse, even the won redemption ( s ) as she said someone canceled and use it.4-The company 's business model is a scam and not as what they claim. ( basically they are a casino using the loophole of a sweepstakes company, using unfair practice to change the rtp, XXXX casino misrepresented payouts and odds. They also can change the XXXX  on any specific player. 5-I have disputed and or filed fraud with credit card companies, Most are coming back denying the disputes/fraud. Have told me I will need to go outside of the resources to get any help. I have 2 credit cards with XXXX  that both was maxed out. XXXX have denied the disputes and never provided me any appeal process.I am still dealing with Discover card ( also 2 credit card, maxed out ) and most have been denied on the disputes/fraud.XXXX XXXX has closed my case since XXXXXXXX. I am still trying to reach out to them with regards to the dates shown as account had suspicious activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert today ( XX/XX/XXXX ) from my Credit Monitoring ( XXXX  ) that there was activity on my credit file. I checked it to find several inquiries, one from XXXX ( XXXX ), one from XXXX XXXX XXXX ( XXXX ) and one from XXXX ( XXXX ). As a result of these inquiries, my credit score dropped XXXX points. 

I called the XXXX number at XXXX XXXX and the representative said someone had opened an account using my name and social security number but used a fraudulent address ( XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ) which I had already called XXXX last month ( XX/XX/XXXX ) to dispute. The XXXX representative said he would close the account and that, as far as he could tell, no phone or usage was activated on the account. He gave me this website to file a complaint to have the inquiry removed off my credit report as he said that XXXX did not have a direct way to remove the inquiry themselves. 

I called the XXXX XXXX XXXX number who gave me XXXX  XXXX 's number ( XXXX ) in XXXX XXXX. When I called the dealership, the XXXX manager said that the application was ran on XX/XX/XXXX ( again, using the fraudulent address that had appeared on my credit report last month. The perpetrator had actually driven away with a {$100000.00} XXXX and that I had called at just the right time before the documentation went back up to XXXX XXXX XXXX for me to be held liable for it. The manager is in the process right now with the XXXX XXXX XXXX XXXX XXXX to recover the vehicle and told me that the dealership would remove the inquiries once a police report is filed.
Product: Bank account or service

Hello, I am filing a complaint against Bank of America. I signed up for a small business checking account on XXXX XXXX, 2015. I did this in branch at their XXXX XXXX, XXXX branch. The personal small business banker I dealt with was as follows : XXXX XXXX. His email address is as follows : XXXXXXXXXXXX. 
I also personally dealt with the banking manager, whose first name is XXXX. Neither seemed interested in helping me. They did not respond to emails, and just basically blew me off. 

I met all the requirements of the promotion, including a set amount of spend on a newly opened credit card, a certain amount of bill pays, etc. 

Here it is seven months later, and I feel that Bank of America is doing anything they can to avoid paying the bonus. I have contacted them by phone, email, online chat, and have even written letters. I have personally communicated with the XXXX employees listed above, who had set up the account. I do n't know if they are intentionally not following through on the requirements of the bonus, or did not fail to set it up properly on XXXX XXXX. But waiting 7 + months for a bonus to post that was supposed to post in 2 or 3 seems shady. I was told by a consumer advocate that the CFPB is the one to go to on this issue. I am hopeful that you will be able to get Bank of America to finally post my bonus of {$1000.00}. Thanks so much, XXXX XXXX. I will attach documents for you. Please contact me at ( XXXX ) XXXX or XXXXXXXXXXXX if you need any more information.
Product: Credit card

FBNO accessed my credit report when I applied for a card. Then they sent me a letter demanding copies of my drivers license, a signed copy of my SSN card, and two years worth of W2s or 1099s. When I called them, they refused to explain why they needed those documents. Why would they? I have NEVER had any credit card company ask for those items.
Product: Checking or savings account

From late XXXX well into XXXX, Ive had ongoing issues with overdraft fees though I was under the impression of having funds available. Multiple times where a {$10.00} breakfast sandwich has cost me nearly {$60.00}! After calling to understand and to no avail, Id been more vigilant to ensure the funds were available but that hadnt help and I started paying the overdraft fees too maintain a good standing relationship with the bank. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a car loan and was denied due to a negative reoort from sage stream llc. XXXX had my score at XXXX and sage stream said it was XXXX. Cause I had limited history at this address and phone ( I've lived here for XXXX yrs and had the same phone for XXXX yrs ). To many delinquencies ( I have 1 that is 2 yrs old ). In order to ask them to look into this I have to send various forms of US. I do not feel comfortable doing this with an un known company that's seems to be a scam to raise your interest rates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SS XXXX XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Request to Correct Personal Information and Delete Inaccuracies Dear [ XXXX/Equifax/XXXX ], I am writing to request the immediate correction and removal of inaccurate personal information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and Texas Business & Commerce Code 20.06. It has come to my attention that my credit report contains incorrect information, which must be rectified immediately to ensure compliance with federal and state laws. 
The correct information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Texas XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Phone Number : ( XXXX ) XXXX Employer : XXXX XXXX I demand the deletion of any and all incorrect names, addresses, phone numbers, employers, or other inaccuracies that do not match the information listed above. 
Legal Basis for My Request : 1. FCRA Compliance Requirements o 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of consumer reports. 
o 15 U.S.C. 1681i ( a ) ( 1 ) : When notified of a dispute, credit bureaus are required to investigate and correct or delete inaccurate, incomplete, or unverifiable information within 30 days. 
2. Obligation to Verify Information o 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Information providers must not furnish inaccurate information. If any inaccurate personal data originates from an information provider, the credit bureau must ensure its removal if unverifiable. 
3. State Law Protections o Texas Business & Commerce Code 20.06 : Credit reporting agencies operating in Texas must promptly investigate disputes and correct inaccurate information to avoid penalties. 
4. Potential Violations o Maintaining inaccurate information could result in consumer harm, which may constitute a breach of my rights under both federal and state law. Such violations are subject to penalties, including damages under 15 U.S.C. 1681n and 1681o, allowing recovery of damages for willful or negligent noncompliance. 
Action Requested : I demand that the following steps be taken : Verify all personal information on my credit report. 
Delete any information that does not match the details provided above. 
Confirm the completion of this investigation and provide a corrected credit report within the required 30-day period. 
Enclosed are copies of my identification, Social Security card, and proof of address to assist with verifying my identity. 
Please treat this as a formal notice and act in full compliance with the FCRA and applicable state laws. Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX SS XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft stemming from both the XXXX data breach and the Equifax data breach, in which my personal information was compromised and subsequently misused without my knowledge or consent. On XX/XX/XXXX, XXXX publicly disclosed that on XX/XX/XXXX it had suffered a significant data breach due to Hackers, with a revised announcement in XX/XX/XXXX stating that all three ( XXXX ) XXXX of its accounts were affected and the names, email addressed, phone numbers, birth dates, passwords, calendars and security questions of its account holders were compromised. On XX/XX/XXXX, Equifax disclosed a major data breach between XX/XX/XXXX and XX/XX/XXXX that exposed consumer data, including names, addresses, phone numbers, email addresses, and potentially other sensitive personal information. Due to these breaches, I have reason to believe that my personal data was used to open unauthorized accounts in my name. These fraudulent accounts consist of a personal auto loan account opened with XXXX XXXX XXXX on XX/XX/XXXX, a personal auto loan account opened with XXXX XXXX XXXX on XX/XX/XXXX, a rental apartment/lease account opened with XXXX XXXX XXXX on XX/XX/XXXX, a personal credit card account opened with XXXX XXXX on XX/XX/XXXX, a personal mobile phone account opened with XXXX  on XX/XX/XXXX, a personal utility cable account opened with XXXX XXXX  on XX/XX/XXXX and hard inquiries with XXXX  XXXX XXXX on XX/XX/XXXX, with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, with XXXX XXXX XXXX  on XX/XX/XXXX, and with XXXX XXXX  XXXX  on XX/XX/XXXX. These accounts have resulted in several fraudulent collections, closed accounts, and multiple fraudulent hard inquiries appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaints ( # XXXX ) and ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of Identity Theft and Fraud.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of credit accounts associated witXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX from my credit report. Upon careful examination of a provided screenshot, I have noted both inconsistencies, comments and inaccuracies in the account status, date last active, and date opened, all of which are in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX XXXX XXXX to report my information, as required by 15 USC Code 602 ( a ). 

I kindly request your prompt intervention to rectify these issues by ensuring the swift removal of these erroneous accounts from my credit report. Your immediate attention to this matter is greatly appreciated.
Product: Student loan

I consolidated my student loans in XXXX with Direct Loans through XXXX XXXX XXXX. The loan was then transferred to XXXX XXXX XXXX via XXXX in XX/XX/XXXX. XXXX fulfilled the drop in interest rate to 4.125 % after 24 consecutive months of timely payments resulting in monthly payments of {$350.00}. I qualified for an economic hardship forbearance from XX/XX/XXXX to XX/XX/XXXX, at which time XXXX raised my interest rate to 4.375 %. I paid interest payments only during that time. At the end of the forbearance, XXXX sent a bill for {$2600.00} in remaining interest, which I paid in full. I then signed up for EZ pay automatic student loan payments, which dropped my interest rate back down to 4.125 %. The loan suddenly increased by over {$5000.00} and the payments then increased to {$520.00} per month. I paid {$100.00} to principal on XX/XX/XXXX and XX/XX/XXXX, which were credited properly. I received a 1 % drop in interest rate after 36 consecutive timely payments, dropping my interest rate to 3.125 % and payments to {$450.00} per month. Sallie Mae took over my loans around XXXX and changed names to Navient in XXXX. Auto-debit was set up with Navient and payments of {$450.00} were taken from my account on the first of each month. Despite paying this loan consistently on the 1st of each month, as an automatic withdrawal, extra payments sent were applied to interest and principal both or only to interest. I recently called Navient to have them explain this to me and they told me this was happening because I had outstanding interest charges. I asked how this could possibly happen with consistent on-time payments and the rep could not explain it to me. She did say that if I paid the outstanding {$15.00} in interest, that all future extra payments would be applied to principal. I paid the {$15.00} that same day by having the rep complete a bank draft on XX/XX/XXXX. On XX/XX/XXXX, I made an extra payment sent in with a letter asking that it be applied to principal only and the payment was applied to both interest and principal despite my express request. I am not sure what is going on with Navient, but there is something that just isn't right. I have made over {$4500.00} in extra payments since XXXX and none of them have been applied to principal only. I also think there were some extra funds erroneously applied to my loan by XXXX after the forbearance. I would appreciate some help in evaluating what is happening with this loan and why I keep incurring interest fees despite consistently timely payments. Thank you very much.
Product: Debt collection

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Transunion Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/2020 This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

3. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inaccurate reporting of a XXXX XXXX account ( Account # XXXX ) on my Experian and XXXX credit reports. I have attached documentation from the XXXX XXXX XXXX ( XXXX  ), which informed XXXX XXXX of my complaint on XX/XX/year> ( XXXX  ID XXXX ). Despite multiple attempts, the XXXX  confirmed that XXXX XXXX failed to respond or provide any validation for the alleged debt, and the case has been closed as an unanswered complaint. 

XXXX has removed this account from my credit report, which raises the question of how Experian and XXXX are still reporting this account as verified. Furthermore, the reporting contains inconsistent and incorrect information, including the open date, the date last active, and the payment history. This raises serious concerns about the accuracy of the information being furnished. 

XXXX XXXX has failed to validate this account despite my repeated requests. Therefore, it is unclear how Experian and XXXX can continue to acknowledge this account as accurate when XXXX has already taken the appropriate action to remove it. I am demanding that this account be removed immediately from my Experian and XXXX credit reports. 

Attached is the XXXX  document showing that XXXX XXXX has been unresponsive to the validation request. I request prompt action to investigate and remove this account to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and maintain the integrity of credit reporting practices. Thank you for your immediate attention to this matter.