23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a store credit card for " XXXX XXXX XXXX '' through Comenity bank. I went into a local store to make a purchase with my credit card on XX/XX/XXXX. Online and in the store it shows that I have a credit limit of {$5000.00}, with a balance of {$0.00} so all {$5000.00} is available for purchase. I went ahead and attempted to purchase furniture to the amount of {$3700.00} and was denied at checkout. 

At the store, we called into their customer care team and all they would say is that my account was locked. They would not provide any other details and were rude and not helpful at all. I left the store without making a purchase. 

A few days later, I called the XXXXXXXX XXXX on the back of XXXX XXXX XXXX card and that rep told me the account was locked due to the fact that I have not used my card in the last 24 months. That part is true, I believe the last activity on the card was in XX/XX/XXXX. However, Comenity NEVER notified me in any way, shape or form that this was happening. There was no warning saying that if i didn't use my card it would be deactivated nothing in writing, nothing in email, no phone calls, etc. I asked the rep what I can do to resolve the issue ( since I am ready to make a purchase ) and she said there is nothing I can do at this time. 

A few days later I emailed Comenity through my secure message option on the online portal. At first, they only replied with this " ... After looking at your account, your account is not authorized for purchases Unfortunately, we are unable to reinstate your account. Kindly use another form of payment to continue your transaction. Again, I apologize for the inconvenience and interruption to your shopping experience '' I was not satisified with that answer so I dug in more, asking what I need to do to reinstate the account. This was their response today : " ... Our records indicate there have been significant changes to your credit bureau report. Your card is not approved for use. Unfortunately, we are unable to reinstate your account. 

The account is not authorized for purchases and there isn't anything that can be done to change this. You may continue your transaction with another form of payment. '' So now they are saying there are changes to my credit and that is holding up the card. 


I have had this card since XX/XX/XXXX. I have always made my payments on time. Several times I have paid the balance off fully. I have made plenty of payments in interest to Comenity since XXXX. The fact that I am not getting a definitive answer on why the account is locked, and more importantly, what I need to do to get it unlocked, is extremely frustrating.I still have the sales receipt from my purchase that I would like to proceed with, but Comenity is not helping. 

What can I do?
Product: Credit card

I am being charged an unfairly high interest rate of XXXX XXXX APR on purchases. My XXXX XXXX and report are in good/excellent standing. I should not be paying this much. I want an outsourced ( outside of Chase bank and affiliates ) audit and investigation because I feel I am, as well as others like me, are being racially discriminated against.
Product: Money transfer, virtual currency, or money service

I had a money order sent to me in a form of a check for finishing up some work for a lady online, I put in some hours on the computer as well as sold some things to her. 

The check went through to my bank account so I spent it on a fee things and then check then was bounced. 

My bank account ( US bank ) should not allow any checks to come through If it could be fraud, now Im stuck with a negative balance.
Product: Debt collection

Chase Bank is using the debt collection service of XXXX XXXX XXXX to collect a debt that is being paid and not reported or verified correctly to credit reporting agencies. My prior CFPB complaint against XXXX XXXX XXXX was referred to the FTC and XXXX XXXX XXXX by the CFPB for further investigation - findings and documents attached.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft. My personal information was compromised in a recent data breach, and as a result, unauthorized accounts and inquiries have been placed on my credit report without my consent. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that you block and delete all fraudulent accounts and related information from my credit file.

The account and inquiries that I believe to be fraudulent are as follows : Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with all 3 Credit reporting agencies XXXX, Equifax and XXXX in regards to a public record bankruptcy ref XXXX. All 3 bureaus keep stating that the bankruptcy was verified and is reporting accurately. I have compared all 3 credit reports and all 3 bureaus are reporting different " filed '' dates. XXXX shows a file date of X/XX/2010, Equifax shows a file date of X/X/2010, and XXXX  shows a file date of X/XX/10. How can they say that they verified the bankruptcy as accurate but yet all of them are reflecting different file dates. Per the FCRA all information contained on a consumer 's credit report must be true and accurate and all 3 agencies have violated my rights under the FCRA by stating that they verified this bankruptcy as accurate when in fact it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was properly investigated and verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX, but how is that possible if the dates last updated is inaccurate, the close date is inaccurate, on all three bureaus have three different years when they start reporting about the same accounts. When the accounts where in good standings so-called late payment dates are inaccurate or missing from XXXX, XXXX, XXXX. XXXX bureau, XXXX has since removed the XXXX XXXX XXXX XXXX # XXXX, file since filing my last complaint on XX/XX/XXXX. XXXX once again verified the, '' XXXX XXXX XXXX '', account again on XX/XX/XXXX. Which contradict the other XXXX XXXX XXXX even went as far to update the XXXX XXXX XXXX XXXX a file they know is inaccurate. Even after I supplied the documents showing conflict between the three Bureaus so-called verified accounts. All three Bureaus still have not removed the XXXX XXXX XXXX # XXXX file. Even after their so-called verification and investigations which were never showed proving to be factual or accurate. Equifax violations total is 35, between the 3 accounts. XXXX violation total is 20, between the two accounts. XXXX total violations total 14 between the two accounts. This is grounds for removal they also violated my rights under 15 U.S.C 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ;
Product: Credit card

I set up Citi credit card auto pay online as the site allows you too. I did this first time and they never took out my payment through auto pay which made my account late so I tried again online. Still did n't go through and i was late again. I did n't know it was late until they called me multiple times to let me know. Told them I did auto pay. They said It does n't show on the account and then I said it should because I did it XXXX online and they asked that I set it over the phone with them. That they recommend I do it over the phone because of issues of setting it up online. So, I set it up with them and they confirmed and I even received a letter saying I was enrolled in there autopay and the citi card rep over the phone said I now have auto pay and the payment will be taken out the checking account for the next statement. I gave at XXXX XXXX XXXX. My complaint is why is n't there autopay working online or over the phone? Because of this I have been late on my account XXXX months in a row because of CITI is not honoring there autopay agreement and not processing my payment for auto pay. By them not doing this it has cause me to be late and have accrued late charges every time. Not to mention my credit score and credit reputation with Citi. I urge Consumer Finance to please investigate to see if anyone has had issues and investigate there business practices. How do I know there not trying to make me late to up my APR percentage or/and identity theft from their Citi representatives who have all my account information over the phone and the auto pay still did not work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I lost my job due to the pandemic and was unable to pay my car note. When I called and spoke with representatives they told me I would be fine because they were implementing a program for COVID relief that would put a freeze on credit monitoring. The next month I got the hit on my credit still, My payment history prior was perfect! I even paid twice in advance its the only late payment on my report and is hindering me from being able to get things I deserve. Ive reached out to the company ceo with a goodwill letter and was simply told they dont remove late payments. Please help.
Product: Credit reporting or other personal consumer reports

Summary of Complaint : XXXX XXXX XXXX has violated federal and state consumer protection laws by reporting a debt to collections without proper notification or validation, despite multiple requests. 

Key Issues : Failure to provide attorney information or proof of debt On XX/XX/year>, I requested debt validation and the attorney 's contact information from XXXX. 
They refused to provide any proof or attorney details. 
XXXX XXXX XXXX later attempted to collect but also failed to provide this information. 
Failure to send proper written notification before reporting to collections I explicitly requested all communications in writing via physical mail, not email or phone. 
XXXX XXXX XXXX only emailed me on XX/XX/XXXX, XXXX was not valid notice. 
Meanwhile, they opened the collection account on XX/XX/year>, before properly notifying me. 
Failure to properly validate debt before reporting it I requested full debt validation, including : A breakdown of all charges Proof the unit was vacant after I left Proof of legal assignment of the debt to XXXX XXXX has failed to provide this documentation. 
Equifax 's investigation failed to fix this error I disputed the inaccurate reporting. 
Equifax closed the dispute and updated some dates but did not correct the core issue of improper reporting.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam : Re : XXXX deposit with CITIBANK or CITBANK This happened in XXXX before the XXXX financial crisis. I opened a time deposit account with CITIBANK ( not quite sure if it was CITIBANK or CITBANK ) to mature in two years which was in XXXX. Two months before its maturity, I received an email from them saying that the bank is in financial trouble and that they can not return my time deposit money. I was devastated and did not know what to do. The news on TV at the time was all about the collapse of XXXX XXXX and other large banking corporations. All the while I thought my money was safe because I thought FDIC will back them up. Two weeks later, I received a check of {$300.00} from CITIBANK saying that's all they can give me out of my time deposit of {$10000.00}. 

I tried contacting FDIC, but since this happened over 15 years ago they referred me to reach out to Consumer Financial Protection Bureau. 

Note : I don't remember the name of the bank whether it was CITIBANK or CITBANK. 
I do not have the account number. All I can provide to you is my SSN, my full name, my address and email address at that time and my phone number at that time. 

Sincerely, XXXX XXXX. XXXX
Product: Debt collection

I HAVE SENT 2 LETTERS TO RECEIVEABLES PERFORMANCE MANAGEMENT, LLC : ( XX/XX/2020 XXXX ) AND THEY HAVENT RESPONDED TO NEITHER OF THEM AND ITS STILL REPORTING NEGATIVE WITH THE CRAs. THEY HAD 30 DAYS TO NOTIFY ME OF THE INITIAL COMMUNICATION BUT DIDN'T AND NOW ITS A VIOLATION OF MY RIGHTS.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH capital XXXX 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 my 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 REPORTING 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 21 days before the payment due date. 


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


I have requested proof that this information was mailed or delivered 21 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: Credit reporting or other personal consumer reports

In the course of reviewing my credit report, I spotted inaccurate and fraudulent account that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. This is the letter I submitted to the involved Bureau and my personal documents attached to it.
Product: Student loan

My credit report shows Dept of Ed/AIDVANTAGE reported a debt, that I do not owe demonstrating a deceptive business practice. A second account is duplicating the same claim reported by US Dept of EdXXXX XXXX This debt is being disputed. The information being reported to the credit bureaus is inaccurate, incomplete, and unverifiable. They are duplicated claims for a debt not owed to them. These debt buyers are reporting and attempting to collect a debt not owed to them through deceptive business practices. As of today, they can not produce the original purchase agreement with my signatures. Please provide me with copies of the original sources for the items reported, this includes contracts or service agreements I signed ; any agreements that were signed by the debt buyer and original creditor XXXX, to include the amount the debt was purchased. If this information is not available, please note that the validity of the items can not be determined. The consumer reporting agency must correct or delete inaccurate, incomplete, or unverifiable information and remove the items from my credit history under the Fair Credit Reporting Act within 30 days. I have filed a complaint with the Federal Trade Commission Complaint No. XXXX.
Product: Money transfer, virtual currency, or money service

PayPal won't transfer my funds to my bank account. PayPal charged my bank account directly to refund an XXXX  XXXX  ( without my consent ), while placing the funds originally paid by the customer on hold. Why didn't they refund with the money on hold? I've been waiting for them to transfer original funds which have been on hold for a long time now. Customer serve and chat representative are technically nonexistent. This entity is disgusting! I encounter a problem every single time I have to deal with them.
Product: Credit reporting

i have not applied or have applied for any loans since XXXX i tried to correct this last month with XXXX and transunion transunion failed to invesgaite to the fact this account dated back to 2005 it is the same with XXXX transunion file # XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX coast XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXhave not opened any accounts since 2005 when i lost my home and everything it looks like they sell debt to a different company and take that date iftransunion done there job they would have seen this instead they are bias and dont go by the law XXXX included
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX is reporting an erroneous and inaccurate charge-off with a past due balance on my credit report with XXXX and XXXX. In violations of FCRA, a charged-off account is already written off. There should be no past due balance of {$4500.00} when the account is charged-off already. 

I dispute the entire balance pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ) against XXXX XXXX, XXXX XXXX XXXX. 

I previously disputed this erroneous and inaccurate information with XXXX and XXXX XXXX, XXXX XXXX XXXX was removed from my credit report for inaccurately reporting a charged-off account with a past due balance amount owed. A direct violation of FCRA, requiring all inaccurate information to be removed. 

XXXX XXXX, XXXX XXXX XXXX sold the charged-off account to SIMM ASSOCIATES XXXX INC. Who notified me on XX/XX/2022 by letter attached as a Collections agency. 

Pursuant to FDCPA Section 809. Validation of debts ( 15 USC1692g ) requires validation of debt before reporting information on my credit file. I demanded validation of debt from SIMM ASSOCIATES , INC .

When SIMM ASSOCIATES, INC failed to validate the debt, they informed me that the account was transferred back to XXXX XXXX, XXXX XXXX XXXX.
Product: Vehicle loan or lease

I bought a car from Heights Finance in XXXX XXXX borrowed XXXX and my last payment was this month according to original contract! They are trying to repossess my car saying I still owe XXXX! I was and still am on XXXX.. but I had 2 incomes then.. I now have only mine and am presently taking care of adult son due to XXXX XXXX.. Wanted to know if you can HELP US IN MISSOURI NOW
Product: Credit reporting or other personal consumer reports

I been trying to buy a car and it is causing me so much stress as a single parent to not have a way to work and to dr.appointments for my child and ECT.I almost lost my job because of transportation problems because of my credit report.so upon checking my credit report I realized I had damages on there. And according to the 15 U.S.C 1681 law there should not be any damages on my report its a defamation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Health Insurance Portability and Accountability Act ( HIPAA ), I am allowed to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
*Please provide breakdown of fees including any collection costs and medical charges. 
*Provide a copy of my signature with the provider of service to release my medical information to you. 
*Cease any credit bureau reporting until the debt has been validated by me.
Product: Checking or savings account

I had 7 withdrawals that I did not authorize all with in minutes of each other totalling {$890.00} Chime bank Credit Builder account and they said they investigated and did not find fraud but have not provided any proof
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately 6 months ago I noticed that I did not have a credit score generated by Experian. I have current and accurate scores with both XXXX and XXXX. I contacted my creditors and confirmed that they are providing my monthly credit information to Experian, but for some reason my information is not reaching my Experian account. It appears that there is an internal problem at Experian which is preventing my credit information from reaching my account and generating a FICO score. I have contacted both the national consumer assistance center and member services at Experian more than 5 times and they seem unwilling or unable to resolve this issue. This problem is costing me money in higher interest rates and lost opportunities. 
Your assistance is greatly appreciated. 

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

i am a victim of id theft. these items do not belong to me due to fruad XXXX   XXXX XXXX XXXX opened XXXX XXXX {$1900.00} XXXX  XXXX opened XXXX XXXX XXXX XXXX opened XXXX XXXX {$8700.00} XXXXyXXXX opened XX/XX/2010 {$4700.00}
Product: Credit card or prepaid card

My current credit card balance as of XXXX19 according to the website is {$1200.00}. No matter how I add up the transactions, it never equals the outstanding amount. I have spoken with a CSR and a " supervisor '' ( XXXX in XXXX Florida ). They were not able to get to that total either. It is totally UNACCEPTABLE that Chase is not able to account to the very cent the charges they are attempting to bill for. I was also transferred to XXXX the floor manager. She would only say that she works in Florida. I feel that I am being over charged. The bill needs to include a running balance to ensure that customers are not being defrauded out of funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports. Ftc attached.
Product: Debt collection

COMENITYBANK/XXXX XXXX XXXX failed to give me proper validation of this debt. 

I mailed COMENITYBANK/XXXX XXXX XXXX a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a Citi AA card because of the promotional offer and because the advertising said that I could use the card immediately if approved. My card was approved but they wouldnt provide me with the temporary card number to book a flight. I called Citi and they said I have to wait 2 weeks for the card, by which time the flight price will have increased. This was clearly false advertising.