23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been trying to setup online services for my XXXX account since it was transitioned to Comenity Bank. My previous account was setup on auto pay, and this did not transition to the new company. I have tried since XXXX and am presented with an error on their website " Its not you! Its us. Were experiencing a technical issue. Our team is working to resolve this as soon as possible. Please try again later. '' I have contact Comenity Bank on multiple occasions about this issue and have gone through countless troubleshooting steps with them. During one of my most recent conversations, a supervisor stated that the issue was theirs, and that they would create a ticket with their " back office '' and have it resolved. It has still yet to be resolved. When I call, they continuously tell me that it's an issue on my end, even though the error clearly states that it's on theirs. This causes considerable confusion for a basic consumer. Additionally, when someone calls in and tells you that their online account isn't working, don't recommend online account resolutions. Why would a customer service agent tell me I can update something online when I have JUST explained to them that I can't create an online account? 

This account was reported as delinquent to the credit reporting agencies due to Comenity Bank 's inability to properly assist in creation of an online account. They then refuse to assist in troubleshooting the issue even though the messages clearly state that the issue is theirs, not the consumers. They make it nearly impossible to get account information to send in payments via mail, they won't give you your account number, which they say is required on the check to process the payment... It's truly astonishing that this type of behavior is allowed to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent correspondence over 60 days ago and my credit account remains affected by the incorrect information being reported. I send the letter on XX/XX/2020, I feel like Im being taking advantage of and I do not appreciate it. I was also affected by the XXXX data breach which is causing problems for me.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) requires credit reporting companies, like XXXX, to use reasonable procedures to ensure the accuracy of consumer credit reports. 



The Fair Credit Reporting Act ( FCRA ) regulates consumer reporting agencies ( CRAs ) like Experian, and requires them to follow reasonable procedures to ensure maximum accuracy in credit reports. 



The Fair Credit Reporting Act ( FCRA ) requires nationwide credit reporting agencies ( CRAs ) like XXXX to investigate and correct inaccurate information on credit reports within 30 days of a consumer dispute. 



However, after verifying my most current credit report, the revised information is beyond wrong. The information is as follows. Last Verified : XXXX XX/XX/XXXX ; Experian no record, XXXX no record. Date of last activity : XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX Creditor Remarks : XXXX : Charged off as bad debt. Canceled by credit grantor, Experian The account has been closed due to inactivity. Unpaid balances are reported as losses by the credit grantor. XXXXCharged off account. Accounts closed by the credit grantor. The Fair Credit Reporting Act ( FCRA ). Getting the late payment erased is dependent on its accuracy. DELETE ACCOUNT
Product: Checking or savings account

I went into chase to open a new prepaid debit card, due to a finn account I had with them being compromised. There was One or two fraudulent charges, totalling around 70 dollars on my account. They opened a prepaid debit for me, while I attempted to work out the other account. When I went to use the prepaid card, it declined..despite a positive balance. Subsequently, I went in the branch and Chase Informed me that they were no longer going to maintain any banking relationship with me. Moreover, they informed me that they have no obligation to inform me as to the reason they closed my accounts. I believe consumers have a right to know why an institution would stop doing business with someone who is a victim of a serious crime, while also making no mention of the amount in dispute. This Took place in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, I was " Assisted '' by a branch manager and telephone support. I have heard nothing in regards to resolving my disputed charge and I also have believe I have a right to know why they terminated the relationship, I believe this is wholly unethical.
Product: Credit reporting or other personal consumer reports

RE : Dispute of Inaccurate Information on Credit Report Dear EXPERIAN, I am writing to inform you that after multiple attempts to dispute inaccurate information on my credit report, you have failed to comply with the law. I have already disputed this information with you through the CFPB, multiple times. However, you have failed to remove the inaccurate information. This is a violation of the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i - Procedure in case of disputed accuracy which requires credit bureaus to remove inaccurate information from credit reports. Notice of Dispute violation via Section 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute. The FCRA also gives me the right to sue you if you fail to comply with the law. I am requesting that you delete the following accounts attached to this complaint from my credit report within 15 days : If you fail to delete these accounts within 15 days, I will be forced to take legal action. Enclosures : Copy of credit report with disputed items circled Documentation supporting your dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get derogatory and outdated items removed from Equifax and there information is not up to date I have incorrect information and never get to dispute it by the time I get to the final page it always says this page unavailable my score is way off and I need suggestions and or help thank you
Product: Checking or savings account

My card was stolen and {$820.00} was spent off of my accounts on XX/XX/ i contacted chime ( TXXXX XXXX XXXX XXXX ) and filed a dispute with all the information they sent my a new card 3 days later and the representative told me my account would have provisional credits on XXXX  so on XX/XX/ chime denied my dispute saying they didnt recognize any error after investigation so the same day i filed a rebuttal because i told the representative my card was stolen and they denied my claim so with the rebuttal i was supposed to receive provisional credits XX/XX/ and i have yet to receive them i called over a 100 times and everyone says the same thing some of them hang up in my face when i try to ask going on with my dispute they keep saying they are escalating it to the investigation team and they will reach out to me but they still have not
Product: Checking or savings account

Disputing total charges of XXXX  and XXXX  = XXXX  on XX/XX/ from XXXX their pretending to be XXXX - giving steep discounts tricking unsuspecting shoppers into giving them information for purchases never received, I didn't authorize those amounts of charges, the charge is an error because XXXX is tricking USA shoppers of their information its a fraudulent website. Its all fake. Please help correct the error on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my information I'm interested in disputing all incorrect information that is invalid on my credit report with Equifax that is hindering my file. please correct all incorrect data to fix my credit report.
Product: Mortgage

Been paying double amount due XX/XX/2018 due to problems obtaining insurance. Ditech has been charging us almost {$400.00} a month for insurance alone and also If my calculations are correct we have paid way more interest than the 9.25 % that it is supposed to be.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information that is found to be opened due to identity theft. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX Balance : {$5700.00} XXXX XXXXXXXX, XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a call from CEO on Tuesday XXXX XXXX, XXXX regarding the account the motorcycle loan is listed under and he mentioned that the funds were never received. I requested a full audit transaction and XXXX to prove that USAA never received it and I was told they 're not obligated to do that. In addition I 've mailed off a certified mail letter of validating that the debt is in fact true and I have yet to receive any real time source stating so.
Product: Credit reporting, credit repair services, or other personal consumer reports

The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!
Product: Mortgage

I am a first-time homeowner and I had no idea my mortgage lender did not accept partial payments. 

While juggling the adjustment from renter to homeowner I sent in partial payments only to see the mortgage company cash them and then weeks later send a company issued a check. 

I 've tried to reach the mortgage company on XXXX and there 's a recorded line and I can never reach a live person.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 

I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.
Product: Credit reporting or other personal consumer reports

I did not authorize or open this account, and the balance of {$1700.00} marked as " past due '' is inaccurate.


Violation : FCRA 609 ( e ) - Creditors must provide documentation verifying the validity of accounts associated with identity theft. 2. Inaccurate Reporting of Responsibility : The account is listed under my individual responsibility, which is false and harmful to my creditworthiness. Violation : FORA 623 ( a ) ( 1 ) - Furnishers must ensure the accuracy of This account Failure to Verify Before Reporting : This account appears on my report without proper verification of my identity. Violation : FCRA 605B - Consumers have the right to have fraudulent acco
unts removed upon filing a valid identity theft report.

Actions Requested : Remove this fraudulent account. I am providing proof of my identity
Product: Mortgage

Had a bad faith with AmeriSave Mortgage Corporation, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

I was " dragged '' for 3 month processing a loan, supplied all docs requested ad XXXX, have Excellent credit, to a point I suspected I fell into a SCAM. Checking online I read tons of bad reviews from others in this regard. They collect {$500.00} from each for loan application and basically not executing. I then found out that in 2014 this company was fined {$19.00} Million+ for same issue. I wonder how is it possible that their license was not revoked!!?? They are using the same name!. I eventually approached my local bank to apply for a loan and requested to close my app with them, disputing the {$500.00} with my credit card. I assume not many do the same so quite a bit of money collected stays with this company. SHOULD BE INVESTIGATED!! I can supply you with all details required if you get to that point, I hope. 

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

Credit report contain multiple inaccurate account information which has been disputed multiple times however is still appearing on report after I ha e made nu.erous attempts to.have it verified and corrected, the credit bureaus are accepting a final bill as a verification of claimed debt and not confirming it is even legitimate.
Product: Mortgage

On XX/XX/2018 in an attempt to pay off my second mortgage with XXXX XXXX. I wire transferred {$450.00} through XXXX XXXX to XXXX XXXX 's specific account. XXXX XXXX 's account number indicated that Wells Fargo Bank was the Bank holding the account. XXXX XXXX listed Wells Fargo home mortgage as the beneficiary rather than XXXX XXXX. The money also was inadvertently sent to MD rather than XXXX XXXX. The money was delivered into the account as confirmed by the tracking number. XXXX XXXX never received the money. According to Wells Fargo, they obtained the wire transfer money from XXXX XXXX. On XX/XX/2018 I received notification that Wells Fargo was transferring my home loan to XXXX XXXX XXXX. Prior to the transfer I contacted Wells Fargo whom indicated that they would be transferring the wire transfer to XXXX XXXX XXXX. According to XXXX, they did not receive the payment wire transfer. XXXX confirmed that they opened an investigation regarding the wire transfer money from Wells Fargo. Wells Fargo allegedly opened an investigation regarding the wire transfer and then closed the investigation and my account. I have requested a payment history with Wells Fargo, whom as of today 's date has refused to produce any copies or indication as to how the {$450.00} was applied to my account. My loan is an ARM loan ( adjustable rate note ). Pursuant to my note, when and if I make an additional payment, " I will tell the Note Holder in writing that I am do so. I MAY NOT designate a payment as a Prepayment if I have not made all the monthly payments due under this Note. '' Page 2 or 4 item 5 Borrowers Right to Prepay of Multistate Adjustable Rate Note. At no point in time did I authorize the payment of {$450.00} to Wells Fargo nor did I indicate in writing that I wanted the inadvertent payment to be applied to my principal as a prepayment. Upon transferring of my home loan XXXX committed the same error. On XX/XX/2018 I confirmed with XXXX   that they had finally received the {$450.00}. They opened an investigation. They NOW are also applying partial payments as " curtailment '' payments and violating the contractual adjustable rate note. I have filed a complaint with the FDIC and XXXX regarding the wire transfer. I have also sent Wells Fargo a letter, in which I have received contact from XXXX XXXX regarding the issue of the wire transfer and requested payment history. In the letter I requested a payment history. It is my belief that Wells Fargo has committed a fraudulent act with criminal intent to place my home loan into default leading to foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written he MO bankruptcy courts about why the credit report agencies are reporting my bankruptcies. I have sent a letter to all three credit bureaus by certified mailed and they recived them on XX/XX/2018. to remove these public records of banrupticies, they have not responded nor removed them from my credit report. I want them removed immediately it is my right.
Product: Checking or savings account

BANK OF AMERICA allowed me to open two accounts on line and let me deposit money. Turns around and denies me as customer. Meanwhile they have my money which they say will be returned by check. Very unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
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. 

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 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  15 U.S.C . 1681 602 A. State Ii 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 his inaccurate.
Product: Credit card or prepaid card

I received a moneylion debt card that I never applied. I have never heard of this company and want this canceled..They advised they can't without my ss # and other info I am not giving them
Product: Consumer Loan

Citizens One reversed a payment from my loan stating that a check they received from me has been stopped by XXXX. The photo copy of the check they sent me had a different name and was payable to XXXX XXXX. It was a check issued by XXXX to XXXX on behalf of someone else. After further investigation, Citizens One claimed that the check that was sent on my behalf was cashed by XXXX and an error was made by XXXX. I notified XXXX and they replied that a check on my behalf was paid to XXXX XXXX XXXX XXXX on XXXX XXXX, 2015. I was also informed by XXXX that a check can not be cashed by someone who is not the payee. I am wondering how Citizens One knew that it was XXXX XXXX who cashed the check and how it was cashed when my check was payable to Citizens One. Citizens One does not want to give me a credit for the {$250.00} check that I paid them and told me to go to XXXX since they claimed that it was XXXX error and not theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is so many inquary in my credit report, which was incorrect.I did n't recocnize that kind of inquary.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several things that are not being addressed on my credit file. I have disputed several times and no one is doing anything about it. I need some help The credit agencies are reporting inaccurate information XXXX XXXX XXXX XXXX - This account is passed the statute of limitations and is still on my credit file. 

XXXX  XXXX - I DO NOT OWE this debt, this is inaccurate
Product: Credit reporting or other personal consumer reports

Countless of Soft inquires is on my credit report as a result of Identity theft and the credit agencies refuse to remove it.
Product: Vehicle loan or lease

I purchased a truck for my business in XXXX, believing it would be tied to my business credit since it was a business transaction. However, I later discovered it had been placed on my personal credit, which I knew wasnt correct. I made payments on the truck because it was tied to my business, and I didnt want it to negatively affect my personal credit. 

Eventually, I decided I no longer wanted the truck and contacted CarMax to have it picked up. At that time, I was in the process of buying a new home. Unfortunately, when the truck was picked up, it was still tied to my personal credit. From the time CarMax retrieved the truck to when they sold it, two months had passed, which I didnt anticipate.

This misunderstanding about the truck being on my personal credit has significantly delayed my ability to purchase a home and has negatively impacted my credit score.

Timeline : Business Opened : XX/XX/XXXX Truck Purchased : XX/XX/XXXX Truck Picked Up by CarMax : XX/XX/XXXXXXXX XXXX XXXX