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

I did not receive a statement from Comenity Bank for my payment on XXXX  XXXX. I have always received a statement and have always paid my bill on time for years. My payment was due on XXXX and I missed it because of no statement was received. I did not receive a phone call or email from them about my late payment until 10 days later, today. I looked at my account and realized I never received a statement and they charged me a {$27.00} late fee. I made my payment immediately online and called and spoke to Ms. XXXX, a supervisor. She told me they can not credit my account back the late fee since XXXX  XXXX was in bankruptcy. I explained to her Comenity Bank is not in bankruptcy, therefore they should be able to reverse the fee. She lectured me on the mail service, how it works and it is not their fault the post master did not deliver my mail. I did explain I have received all my other bills just fine ... again a lecture about the post masters. She was very rude, condescending and spoke to me as if I was a child. I believe during Covid Comenity Bank should make exceptions due to financial problems for all Americans.
Product: Debt collection

I was a victim of identity theft and several accounts were open under my information. I filed a police report against Power Finance. I have not received any emails or phone calls to get this resolved. I want this account to be deleted and removed from my files. Please see my police report that contains the date, amount and account information that was falsely opened.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business days.
Product: Debt collection

I have been sent to collections for apartment I never lived in, i sent a letter from the state of florid highway safty and motor vehicle stating there has been a fraud infestigation possible fraud. i have sent this letter to all three credit compainies and they still validateing this debt
Product: Credit reporting or other personal consumer reports

Account payment history, not accurate showing late correct or delete the account
Product: Money transfer, virtual currency, or money service

On XX/XX/2019-XX/XX/2019, I contacted after being targeted by fraudsters who stole total of {$230000.00}. 

Navy Federal Credit Union XX/XX/XXXX international wire transfer to XXXX XXXX {$41000.00}. 
XX/XX/XXXX international wire transfer to XXXX XXXX {$35000.00}. 
XX/XX/XXXX international wire transfer to XXXX XXXX {$80000.00} XX/XX/XXXX international wire transfer to XXXX XXXX {$75000.00}. 
XX/XX/XXXX I reported to NCU bank for FRAUD and requested for cancellation Immediately, XX/XX/XXXX total {$150000.00} could possible to holding action because International wire transfer transit time in USA from Navy Federal Credit Union to XXXX XXXX XXXX should take 3 days in USA then arriving country takes another 3-4 days. These funds available dates are XX/XX/2019. 
If NCU wiring department takes action for cancellation immediately I didnt loose these money. 
I complaint for funds available date If wire transfer takes same day, Navy Federal Credit Union must update wire transfer website information for consumers immediately also they must tell to consumers for correct meaning for funds available date. Bankers told me their computer system generated available date automatically, but Wire transfer is much faster than 5-7 days, sometimes same day. 
As consumers, were depends on bank policy and rule on the public website also Receipts my last two transactions funds Available date is XX/XX/2019. 
Navy Federal Credit Union bank international wire transfer transit time is 5-7 days, sometimes takes more days but Navy Federal Credit Union fee is cheaper than other banks. 
My complaint is : Navy Federal Credit Union should pay me back for XX/XX/XXXX two transactions I think this is very unfair Navy Federal Credit Union must update wire transfer information on line website and their computer banking system correction for funds available date instead of system automatically calculated 7 days, Most of consumers include me, when they see funds available date we believe funds will be there around those dates. I never hear international wire transfer transit time is same day- until NCU banker told me after I realized I lost all my money by Fraudsters.
Product: Credit card or prepaid card

American Express is violating the ECOA that requires them to provide specific reasons for taking adverse actions. 

I applied on XX/XX/XXXX for an American express credit and was approved. 

On XX/XX/XXXX, I receive a vague email from american express : " We want to let you know that after a recent review of your American Express account ( s ), we have cancelled the accounts referenced above because one or more of these accounts, or other accounts to which these accounts are linked, have been identified as not being used for the intended purpose. '' When I try asking for specifics what they are referring to me to they refuse to answer and stand behind their technical agreements which provide they can cancel the card for any reason. 

This is the 2nd time they are doing this to me. 

They did this a few month ago on another card, Just abruptly closing it with the same letter. I complained at that point to the CFPB and amex refused to answer with specifics. 

Just the above mentioned email in no way explains in any shape or form SPECIFICS about why they closed it. This is just a broad general statement. I begged them to explain specifically what transaction they think was not used for the intended purpose, they refuse, standing behind legal gibberish. American express is violating ECOA. 

@ Amex What about basic human decency? We had a relationship for about 18 years. Just terminating it without providing detailed specifics smacks of corporate detachment from basic human decency. 
@ Amex Perhaps this is just some corporate bureaucracy issue and my concerns have just not reached the right individual at Amex. If that is the case, this time around kindly forward my concern to the proper authorized corporate individual at Amex that has the capability to respond properly.
Product: Debt collection

On XX/XX/2018 a XXXX  XXXX credit card was opened fraudulently under my name using my social security number. A total amount of {$1000.00} dollars was accumulated and then sent to collections. I filed a dispute on XX/XX/2018 and it was not accepted. XXXX decided the account was accurate. The account is not accurate or valid. I called XXXX XXXX bank and the contact information they have in their system for this specific account does not match any of my personal information. The email doesnt match, the phone number doesnt match and the address does not match. XXXX  XXXX XXXX  is stating that I should contact XXXX to dispute the account but XXXX will not accept the dispute! I had my wallet stolen in 2018 and had to replace everything in it including my social security card and that is the only way someone could have accessed my Social security number to open this account. But XXXX will not remove the account from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is sending letters asking for identifying information. As noted in the letter a diver license with current address, social security card, utility bill with current address was included with request yet the are requesting the same information most likely as a canned response to not conduct the required investigation and to provided the required documents. 

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

There is inaccurate information on my credit report that needs to be removed. Have sent out letters to credit bureau have sent several letters with no response or removing inaccurate infromation.
Product: Money transfer, virtual currency, or money service

I had sent money to two people XX/XX/2018 XXXX XXXX Complete XXXXUSD Tracking # ( XXXX ) : XXXX XXXX XXXX Show details Edit & resend XX/XX/2018 XXXX XXXX Complete XXXXUSD Tracking # ( XXXX  ) : XXXX XXXX XXXX Show details Edit & resend XX/XX/2018 XXXX XXXX XXXX Complete XXXXUSD Tracking # ( XXXX  ) : XXXX XXXX XXXX Show details Edit & resend I had told them that it was fraud, every time I call them I get a foreign person asking me for the XXXX numbers not case numbers this was for loan fraud, I am disputing this matter, I want my money back they have not made a resolution, so I need to complain hank you for contacting Western Union. 


We'll attempt to contact you within 24 hours using the contact information that you have provided to us. 


For your records, your Case # is : XXXX Please note this is an automated response. We ask that you not respond to this email. 
You may also call us directly at XXXX, so a customer support representative can help you. 



Thank you, Western Union Customer Care www.westernunion.com This is the email I keep getting from them, it was fraud, how can you open accounts when you are illegal then use it for scam or fraud to receive money and nothing is done, what part do they not understand, again I had XXXX and are not in the mood for this, I want my money back refunded for fraud, and the person keeps asking me for more for loan transfer I am not falling victim I am not stupid, I do not feel good to go through this XXXX, again I have contacted the number they gave me and they keep asking me for same information over and over again, this is for corporate office, I want a resolution refund back, please advise I am really upset that this is happening. I am not loosing my money I work hard for, got me behind in bills, because of this scam XXXX and and a foreign person on the other end can not help me with my case number.
Product: Debt collection

This account is listed as XXXX XXXX Account which is violation, also Midland Credit Management states Past Due amount, I do not have a contract with Midland Credit Management. Midland Credit management also reports a 120+ days past due amount, I do not have a contract with Midland Credit Management XXXX Midland Credit Management reports a 1 month term, I do not have a contract with midland credit management. These are all FCRA Violations and I demand deletion or appropriately action will be taken. Thank you for your time
Product: Debt collection

Thank you for your recent contact dated : XX/XX/XXXX. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Product: Credit reporting

My credit score has gone down XXXX points since XX/XX/2017 to date however the credit monitoring service and the Experian, XXXX, XXXX credit bureaus are unable to explain why or what companies made the report to cause the drop. I have attached copies of my reports and request a full inquiry providing explanations or restoration of points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had to correct my address information for my private student loans on a least three ( 3 ) occasions within the past one ( 1 ) and one-half ( 1/2 ) years. I have not received payment information for my loan since it went into repayment on or around late XX/XX/ 2022. For whatever reason XXXX 's systems have placed my current address to an address I have not lived at in central Florida  -- an address I have not lived at in over fifteen ( 15 ) years. In fact when my mother made a payment on my behalf in early XXXX XXXX disclosed that the address on-file was the Florida address XXXX Because of the address error, I have not received bills, yet XXXX has furnished informattion to the CRAs claiming payment is now late by sixty ( 60 ) days or more. XXXX may claim that they mailed payment in accordance with " all applicable laws. '' But, the reality is the act of mailing a payment to an address that is from fifteen ( 15 ) years ago does not enable me to receive timely statements. The claim that somehow I should " be able to look at my statements online, '' assumes that there are no circumstances that would prevent such. As it stands, I am experiencing a shortage of medication that regulates a chronic medical condition, that without subjects me to extreme sensitivity to light and sound, for which both register as pain. During those periods I am unable to use a computer or phone.
Product: Debt collection

I have requested for XXXX XXXX, XXXX of the Consumer Financial Protection Bureau ( CFPB ) to review this complaint. I received a letter and harassing and threatening phone calls from Ability Recovery Services LLC for a debt from XXXX XXXX for {$1300.00}. Account : XXXX, Reference # : XXXX. The collection account isnt my account or debt. The account and debt is a result of identity theft. I have never applied for or attended XXXX XXXX. The debt doesnt belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX The above company has placed an inquiry on my credit report. 
According to the FCRA, I am requesting a permanent removal of such inquiry. 
15 U.S.C. Code 1681 ( b ) Permissible purposes of credit report.

I have not given consent to use my credit report, nor have I signed any written agreement to have access to my credit report in such manor.
Product: Credit reporting or other personal consumer reports

You are out of your window to fix the issue : Attached is proof from XXXX stating I did have options and in my other dispute as well as from the bank you will see I utilized them. I was told if I set up the deferment it will change my due dates not making me late. 

I showd you all of this plus my new agreement and you guys didn't update my account I told XXXX and they didn't respond for 2 months now. Between you XXXX someone within 30 days was to update MY account to NO LATE PAYMENTS DUE TO DISASTER or remove the account according to law see attached On top of that this is a loan showing as a car/auto not personal. You guys said you updated and validated over 90 days then 30 days ago but even the TYPE of account is incorrect which within itsself is grounds from removal. Because to whom when and how did you validate anything if even the type is wrong still If I'm wrong please prove to me how.
Product: Debt collection

Company is attempting to collect on a debt that is not owed, and failed to send proper documentation validating the debt Not Verifying it. They are reporting this inaccurate information on my credit report, and cannot provide the proper documentation in which a written letter was sent XX/XX/XXXX asking them to provide me with copies which they failed to provide so they are in violation of the FCRA.
Product: Student loan

i have tried for about 2 years to repay my student loan i was offered a plan to get my loan out of default was paying about XXXX dollars a month around XXXX. the customer service person i spoke with explained that once my loan comes out of default the payments would be around the same amount each month. That was not true i was lied to and i still do not know what to do about my student loan i want to pay my student loan. the company is ECMC. AGAIN I WANT TO PAY STUDENT LOAN BUT AS A CONSUMER I AM CONSTANTLY GETTING THE RUNAROUND IN THE MEANTIME INTEREST IS STEADY BEING ADDED TO MY ACCOUNT THIS SHOULD BE AGAINST THE LAW THAT COMPANIES ARE DOING THIS TO CONSUMERS.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams.this lack of accountability and transparency is unacceptable and raises serious concerns about customer safety
Product: Debt collection

Navient has repeatedly XXXX  up my account. On several occasions I have had to call and have them correct the application of the loan amount. They would overpay some loans and leave others as unpaid so they would collect a late fee. The online account never matches what they say you owe and recently they took more than authorized by me automatically from my account. I am extremely displeased and disheartened with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I owed U.S. Bank National Association D/B/A Elan Financial Services {$10000.00}. Three years ago I tried to settle with them, but was unsuccessful in reaching them. In XXXX of 2021, through XXXX XXXX XXXX, U.S. Bank National Association D/B/A Elan Financial Services and I entered into a settlement agreement for a one time payment of {$8700.00} to satisfy and settle the account. However, they have not held up there end of the settlement and have reported a balance owing on my credit report for {$2100.00}. I have tried to call them and they bounced me from person to person 4 times and was then on hold for a very long time so I left a call back number, but they did not return my call. I would like them to honor the settlement agreement and remove the balance they say I still owe them on my credit report.
Product: Vehicle loan or lease

My car was totaled and the insurance company as well as the GAP insurance both issued checks for the balance in full. Even though checks were received late fees were added to my account and it was also reported the the credit bureaus was past due. All payments were made on time and XXXX balance is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. They have not verified these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible  Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX 


Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute the following information on my credit report. I have reviewed my credit report and found inaccurate information that I would like to have corrected. Below are the details of the disputed item : - **Account Name : ** XXXX XXXX  - **Account Number : ** XXXX - **Disputed Information : ** Disputed Information : Account Name : XXXXXXXX XXXX  Account XXXX XXXX Information : This account appears on my credit report, but I did not open this account. I have never applied for or used any credit account with XXXXXXXX XXXX Reason for Dispute : This account is fraudulent and was opened without my knowledge or consent. I am a victim of identity theft, and this account does not belong to me. 
- **Reason for Dispute : **I am disputing the XXXX account listed on my credit report because I did not open this account. I have never applied for or used any credit account with XXXXXXXX XXXX This account was opened fraudulently without my knowledge or consent. I am a victim of identity theft, and this account does not belong to me. I request that this account be removed from my credit report immediately to reflect accurate information. 

I have enclosed copies of [ describe any enclosed documents, such as a copy of your credit report with the disputed item circled, payment records, or other supporting documentation ] to support my dispute. Please investigate this matter and correct the inaccurate information as soon as possible. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

once again, Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Despite my submission of clear and compelling evidence demonstrating the inaccuracy or unverifiability of certain accounts, Experian has neither corrected nor removed the disputed items. This failure has resulted in ongoing harm to my credit standing, directly violating my rights as a consumer under federal law. 

Notably, the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic failures in its dispute-handling process, including its failure to forward consumer-provided evidence to furnishers, its acceptance of unreliable responses from data furnishers, and its inadequate notification to consumers regarding dispute outcomes. These allegations align with my personal experience, as Experian has disregarded the evidence I provided and failed to conduct a reasonable reinvestigation as required under the FCRA. 

Given these serious legal and regulatory concerns, I am formally requesting immediate corrective action to remove the disputed accounts in compliance with federal law. 


XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX
Product: Credit reporting

someone has been using my identity ssn since 2011 til present and there has been XXXX or more inquiries on my credit was hit hard and also XXXX school I do n't owe anything to them I would like that removed cause its showing that I owe when I dont owe XXXX any money its zero I would like the all the inquiries since 2011 off my records immediatelyXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, I filed a dispute with the Equifax about two unverified accounts XXXX XXXX Account # XXXX and XXXX  XXXX Account # XXXX. on XX/XX/2020, I filed a No Response Regarding Disputed Information After 30 Days notice to Equifax as well! In those two months, I have asked numerous times for a response and I have not received anything from this credit bureau in over 30 days which is a violation of the Fair Credit Reporting Act. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these two unverified accounts as of today and I am asking for the deletions of these two accounts. Thank you for your cooperation!