23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX did not deliver an online order on XXXX. 
XXXX promised to refund {$100.00} on XXXX. 
After a few iterations of communications with XXXX, I filed a dispute with Comenity Bank on XXXX. 
Comenity Bank closed or ignored this dispute on XXXX with incorrect information, i.e. " We credited $ {$71.00} to your account on XX/XX/2023 '' while there was not such credit on my bank statement... 

I disagree with Comenity Bank on XXXX that " We credited $ {$71.00} to your account on XX/XX/2023 '' as it is very obvious on the bank statement. I am also disappointed with Comenity Bank that it ignored this dispute for a couple of months without any refunds by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a late in XX/XX/19 that I should not owe. I paid this online and was never informed that the payment did not go through, and I did not realize it was marked as late until I had my credit pulled later. This is not my fault and I would like this late removed.
Product: Credit card or prepaid card

I received two unsolicited credit cards from two banks. They told that the applications were received via phone calls. I have not responded or accepted any new credit card offer via call initiated by those banks. My phone numbers were not changed in the past 6 years. They were not supposed to issue a card when there is no way to verify the person 's identity.
Product: Debt collection

On XX/XX/2017 debt collector tried to run my credit card for more than they were authorized to run it for. This is a debt for my husband that they called me looking for payment. I authorized them to collect {$240.00} on Monday, XX/XX/XXXX. The payment was not run until Tuesday, XX/XX/XXXX at which point an interest payment from the credit card company was run. When XXXX called me to let me know the payment did n't go through I told her to run it again Friday. She told me that " they '' only gave her until Thursday to collect and wanted me to pay something that day. I told her I would be able to pay Friday. This morning, Friday, I woke to find that at XXXX she tried to run the card for {$270.00}. Not a huge amount but if they are doing this to other people it adds up. She also told me there was no way to pay other than making a payment over the phone. I just went on their website and made a payment using their online system.
Product: Debt collection

I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1.Account Name : JEFFCAPSYS Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 2. Account Name : JEFFERSON CAPITAL SYST, ACCOUNT NUMBER : XXXX Why is there two accounts reporting with abbreviation of name and XXXX not with the whole account number? Is this done intentionally to damage my credit report even more?
Product: Credit reporting or other personal consumer reports

Look at this over XXXX disputes experian lied and notified me that the results are ready to view online LIE LIE LIE LIE LIE LIE LIE LIE you can't, once again this is a PLOY SO EXPERIAN CAN SAY THEY ARE WORKING WITH YOUTO THE FEDERAL GOVERNMENT BUT THEY ARE LYING
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I lost accounts due to this bill that is not mine reappearing on my credit reports. XXXX, XXXX   and Equifax. XXXX XXXX lowered my balances and closed accounts due to this bill from XXXX. This is the 3rd time this has appeared on my credit and I've contacted consumer finance. the company, credit bearus. I've submitted proof of address where I live. I've submitted tax records everything. Each time it gets removed because it is not mine. It is sold or whatever the company Dominion does with it. This has affected me negatively and my credit to where my accounts have been closed. Score dropped. How can a bill that is not mine keep reappearing and hurting me
Product: Mortgage

On XX/XX/XXXX I lost my job. I applied for a loan modification through the current mortgage XXXX XXXX. I was approved on XX/XX/XXXX for a modification. On XX/XX/XXXX my loan was sold/transferred to Fay Servicing. Fay Servicing did not honor the modification and denied my assistance. I applied various times for a modification and was always given the round around. I was told to submit the applications various times. I submitted the application a total of four ( 4 ) times with various requests to submit the same documents over and over. I am submitting my application and the approval letter from XXXX XXXX approving my modification. I have contacted Fay Servicing various times through phone calls and emails, but no replies. I have even contacted the lender, XXXX XXXX XXXX. To date, I have had no luck in communicating with Fay Servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2017 Experian began to constantly send annoying emails. Especially in the last two years Experian sent pushing emails on a daily basis to buy services from them or through them. That had never happened before. My understanding was that it was an agency that collects financial history background and provides credit reports, but not a sales company. Now I feel Experien intentionally and actively trying to put me down to destroy. I refused to use credit cards after struggling with power abuse and tricks from credit card companies like discover, chase, santander. I took a vacation from credit card companies and my refusal to use credit cards was turned against me. 
Two XXXX accounts that were closed more than 9 and 10 years ago for sure, were reactivated by Experian possibly in coordination with XXXX. Not sure who was first to initiate that. Intentional, knowledgeable and willful abuse began to claim both old accounts as current debts. Whatever was removed from my account years ago, appeared on my account back right away when I was misled to file a bankruptcy XXXX against predatory lending by XXXX. It was an attempt to file for XXXX XXXX  only. The bankruptcy case never was established, never was paid for and the hearing never was scheduled. It was withdrawn, dismissed. Experian refused to remove that attempt for bankruptcy and continue to state that it will be on my record for seven years. It feels like Experian spying on me to make my life miserable.
Product: Credit card or prepaid card

Refer to our prior complaints XXXX, XXXX, XXXX. 
We have unresolved issues relating to the situation described ad nauseam in those complaints ( and in repeated emails to XXXX XXXX  XXXX CEO and other senior BOA executives ). 
We've made many unsuccessful attempts today ( XXXX ) and on several previous occasions to communicate with XXXX XXXX of XXXX Regulatory Complaints Dept. at the number/extension provided in her correspondence - XXXX x XXXX. The toll-free number connects to a recorded voice which asks for a six-digit extension ; when an extension is dialed, nothing happens - the recording continues to ask for an extension. This has been the case consistently over the past week or more. The recording provides no live agent option or other option ; the call eventually disconnects. XXXX XXXX was unable to provide us with an email or postal address. 
Other BOA so-called " customer service '' lines ( what a misnomer!! ) lines are no help - BOA management has thoroughly siloed each individual so that each individual lacks even the basic ability to transfer a call or relay a message to another. 
It is our considered opinion that BOA " customer service '' as a whole is to a very large extent a consciously constructed, elaborate sham which senior corporate management has deliberately designed to incorporate blind alleys and other devices for the purpose of encouraging customers with issues to simply give up and go away.
Product: Credit reporting or other personal consumer reports

The data breach has affected my credit score by XXXX points!
Product: Credit card

My complaint is against First National Bank Omaha. They have not sent me a statement in 3 months and have blocked my access to my online account. My username & password do not work & wo n't let me set up a new one. I have sent a payment, they claim they did not receive it. There was a {$500.00} credit to my account, and I can not find out if it is in my account or not because I ca n't see my account. they are pulling payments out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items I have identified are inaccurate and were not authorized by myself. 

An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from XXXX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from XXXX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from XXXX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITYCAPITAL/CART at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX did not help me in the time of need. I returned the product back to the store and was told I would get refunded the money back to my credit card. I've called them to ask if they could remove the late payments because it wasn't my fault. Every time I call someone tell me that they can not remove the late payments. Its not my fault, this is wrong and unfortunately its stopping me from getting a home for my kids & I.
Product: Credit reporting or other personal consumer reports

- Name : XXXX XXXX - Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX - Phone : ( XXXX ) XXXX - Email : XXXX XXXX XXXX : _ - Company Name : XXXXXXXX XXXX  XXXX ( XXXXXXXX XXXX ) - Address : _Complaint : _ I am submitting this complaint to request the removal of XXXX late payments reported on my credit report for the XXXXXXXX XXXX XXXX XXXXXXXX account ( Account # : XXXX ). These late payments are inaccurate and are causing harm to my credit score.

I have previously disputed these late payments with the credit reporting agencies ( XXXX, XXXX, and TransUnion ) and provided documentation to support my claim. However, the late payments remain on my credit report. 

I request that the CFPB take immediate action to mandate the removal of these late payments from my credit report. I also request that the credit reporting agencies update my credit report to reflect the accurate payment history. 

_Relevant Laws : _ - Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq.

- Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

- Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028A - Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq.

- Consumer Financial Protection Bureau ( CFPB ) Regulations, 12 CFR Part 1022
Product: Checking or savings account

I opened a new account with US BANK, and after depositing cash and making a few purchases a fraud hold was put in my account and I was unable to use my card. I had previously clarified what the daily spending limit was and I did not go over it, so there was no reason my card should have been disabled. In additon, I had ordered a cell phone as I Have been robbed and needed a new phone, and because my card was disabled my order was cancelled, my card was charged twice, wheras it should have only been only charged once. I went into a branch and confirmed with the card resolution team that the correct amount from XXXX XXXX XXXX was {$100.00} amount not the the {$69.00} amount. This amount has been debited from my account. Had I not put my money in the bank and made this purchases in person with cash I would not have any problems accessing money that is actually there
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information is incorrect Name : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX Employment info : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting or other personal consumer reports

This morning, I saw incorrect accounts listed on my credit report, and I have no idea how they got there. I review my credit report regularly, but this time, there were unexpected errors. I even refreshed my browser, thinking it might be a glitch, but nothing changed. The errors remained. I'm pleading for a thorough review of the documents Ive submitted so I can finally stop worrying about this issue.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. I have noticed some unauthorized accounts on my credit reports that I did not benefit from. I have disputed the same accounts to no avail, and they still refused to provide proof of XXXX XXXX paying them, or proof of them selling the car since it was returned. I never gave them authorization to use my identity to send the account to collections. I need these accounts removed immediately!!!
Product: Mortgage

A payment was made from my friend 's XXXX bank account his name is XXXX XXXX and the payment was taken out on XX/XX/2019. The payment posted. 

Amerihome sent me a letter dated XX/XX/XXXX informing me that the payment was reversed due to insufficient funds. I called the mortgage company and they said since XXXX was not an authorized user on my account they sent the payment back and did not honor it. Because the payment needs to come directly out of my account and can not be paid from someone else 's. This process was not in my loan information. 

I asked them how soon would XXXX receive his payment and they said that they would send him a check. 2 weeks go by and I called my mortgage company inquiring about the returned payment and I asked for a supervisor and she said that the payment was rejected and automatically sent back to XXXX 's account ( not true ). She also said that their company does not issue checks for returned payments. 

I also asked about how this would reflect negatively on my credit report and they said that the mistake was on my end, not theirs. 

I called back within 20 minutes and asked to speak to a supervisor and she told me that the payment was never processed due to insufficient funds ( confusing ). I told them that the money was in his account and it was taken out by the mortgage company and I had received a confirmation. 

XXXX still has not received his payment back to his account.
Product: Credit reporting

1.This is maybe my Fourth Dispute with Experian since XXXX of 2016 with nothing Resolve. 
2. I received with completed Disputed Results with Someone else Accounts on it, XXXX XXXX XXXX Accounts that 's obviously not mine. 
3. Experian states that everything on my credit Report is Verified and Accurate but how do you make a big mistake like that again that just proves my argument 4.I have attached my Credit Report Disputes Results to my Complaint. 
5.Please Experian Attach All Documents That you have on File. I Do have the Right to Request Verification all Negative Items. 
6. I Want the 6 outdated paid in full Student Loans accounts remove because its still preventing me from Making Purchasers, if its paid in full was is still showing negative when i have attached the Department of Education letter stating XXXX balanced owned. 
7. Please Experian Respect My Federal Rights and The Fair Credit Reporting Act. 
8 This is My Last Good will Notice since Obviously you make your Own Rules and you Dont have to live by Laws. If this is Not Resolve in the giving Time i will Be seeking ligation because in everyone response you have denied me my rights
Product: Bank account or service

Today, XX/XX/2016, I visited the Bank of America Financial Center, XXXX XXXX XXXX, XXXX, XXXX XXXX, to attempt to deposit a check into my mothers account. I had received XXXX checks from the XXXX related to the settlement of an insurance claim. The checks were drawn upon an account XXXX had with Bank of America. The checks were for {$16000.00} and {$250.00} respectively. The checks were made out in my name but I indicated to the branch manager, who was assisting me, that I would endorse the checks over to my mother 's name so that they could be deposited in my mothers account if that was necessary. I provided my XXXX Issued Drivers License as a photo ID so that they could identify who was making the deposit since it was not my account. The manager indicated that I was not allowed to deposit the check, made out in my name, into my mothers account because she had not authorized the deposit. She told me to bring my mother into the branch with me, however my mother is in XXXX and this was not possible. Additionally, I was presenting a photo identification, with a last name that matched the account holder. The manager refused to accept the deposit of the check, even if it was properly and legally endorsed in my mother 's name. 

After refusing to allow me to make the deposit, I requested that the check be cashed since it was a check drawn upon a Bank of America account held by XXXX. She then asked if I had a deposit account with Bank Of America with which I could deposit the check. When I indicated that I had my personal deposit accounts with another bank she indicated that there was nothing she could do. When I told her that it was a Bank of America account, she indicated that she needs advanced notice for a check of that size and the check would have to clear before I received the cash and since I did not have an account there was nothing she could do. I believe that this was unfair, improper, and potentially in violation of the law. 

Before leaving I indicated that I believed that it was legal for me to endorse the check and deposit into my mothers account and I did not understand why they would not accept it. I also expressed my lack of understanding as to why Bank of America could not cash a Bank of America check. Receiving no answer or further information I left and had to travel to my bank and deposit the check, now I have to wait for the check to clear and then issue a check in my mothers name which will take time to clear. 

As a result, there is a loss of the time value of the money, including the accrual of additional interest upon loans which the amount of money, which is not insignificant, was intended to reduce principal upon. I have been harmed by the conduct of this bank and feel that I have no recourse other than this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a previous complaint XXXX # XXXX XXXX. The essence of the complaint was that Navient issued a negative report against me to credit reporting agencies based on a payment default on a student loan on which I was the co-signor WITHOUT GIVING ME PRIOR NOTICE THAT THE LOAN WAS IN DEFAULT. In its response, Navient provided me with a copies of the promissory note in question ( Note ) and Navients written notices of default. Navients contention is that my contact information had not been updated, thus making it impossible for Navient to have notified me of the default. To the contrary, both my cell phone number ( XXXX ) and office email address ( XXXX ) are provided on the first page of the Note. This contact information remains correct to this date. Had Navient exercised even a modicum of diligence, it could have notified me of the default using either cell phone or email contact information, prior to Issuing its damaging credit report. It did neither. Moreover, the address that appears on Navients notices of default ( XXXX XXXX XXXX, XXXX, ME ) has not been my address since 1974, when I was a student at the XXXX  XXXX XXXX XXXX. This address does not appear on the Note and it is a mystery to me how Navient decided to send notices to this address.
Product: Vehicle loan or lease

Auto loan from Wells Fargo from XXXX. Balance was {$22000.00} but fees were questionable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX account # XXXX has been settled and Paid. This account should be reported as " Closed '' XXXX and Experian incorrectly continue to report the account as " Open ''.
Product: Vehicle loan or lease

I purchased the car in XX/XX/2016. at the time of purchase we agreed on my trade in plus $ XXXX.the finance guys over financed {$1500.00} in my loan. I have over looked the docs. Now when I review the original docs and notice the error. 

here is the math {$2500.00} + {$1400.00} ( payoff on my trade in ) + Dealer fee {$1000.00} = {$4900.00}. I did not purchase any additional warranty product. 

when I noticed my financing docs. it's showing I am financing over {$6400.00} I have reached out to the dealers with no repose. 

dealer 's name XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I received an offer in the mail from Citibank offering 5X THANK YOU points for online purchases through XX/XX/XXXX. On that same date, I called XXXX to enroll in the offer by providing the Invitation Number on the offer. I spoke with a machine not a human. The machine fully accepted the enrollment and advised me to wait a few days to make the purchases. No registration number was provided. 

My Invitation No. XXXX Subsequently, beginning on XX/XX/XXXX I made a series of online purchases, which in the aggregate, would have produced the maximum reward ( XXXX points ) I got my XX/XX/XXXX statement. All the online purchases were on the statement but NONE of the bonus points were there. 

On XX/XX/XXXX I called citibank cutomer service at XXXX pm eastern. Spoke to " XXXX ''. 

XXXX advises me that she sees my enrollment in the offer, she sees the qualifying purchases, and that I will see my XXXX THANK YOU points on my next ( XXXX XXXX statement. 

Today, went online to see my XXXX statement. No statement was apparently created as I did not have any transactions. 

I called customer service. Explained the situation. 

Spoke to someone ( did not get name ) who tells me that according to their records I first registered for this promotion on XX/XX/XXXX not XX/XX/XXXX. 

I explained to this rep. that the XX/XX/XXXX date is the date of my call to customer service not my date of enrollment and that I wanted the XX/XX/XXXX recorded phone call with " XXXX '' played back to me. 

Basically I am getting screwed by the ineptitude of Citibank, their employees and their technical shortcomings.
Product: Credit card or prepaid card

Card.com decided on there own that they wanted to replace my card and charged me {$7.00} to have it replaced against my will.
Product: Credit reporting

on XX/XX/2016 Equifax deleted accounts and inquires listed below and did n't notify me about adding them back on XX/XX/2016. 
1. XXXX account number XXXX Inquiries : XXXX 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

My credit report was run by 700 Credit/XXXX XXXX  in XXXX, CA on XXXX XX/XX/2022 without my authorization
Product: Checking or savings account

Bank of America XXXX. I feel for a job scam. Someone was very nice and understanding to me and sent me a form and I filled it out. They stole my bank account from that information. The bank did not notify me, the app XXXX told me my card had been reported stole 24 hours ago. I am at eviction risk because of it I couldnt get into my account because it says a new card had been issued I do not have the information the branch is not open the phone lines are not opened. Then to top it all off I find there are employees watching XXXX and by the time they reply I miss the message and they are offline tomorrow. What the XXXX.