23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I signed up a new capital one money market 360 account online last XXXX and enrolled the " deposit $ XXXX, maintain for 90 days and get {$500.00} bonus '' program. I'm pretty sure I clicked 'apply now ' on the advertised page and my account was successfully opened at XXXX XXXX, the $ XXXX new money was transferred in on the next day. Unfortunatelly, I haven't seen the bonus today in my account. It seems like there is a system glitch somewhere on the bank side and they refused to honor the bonus while I contacted them with the customer service.
Product: Credit card

Comenity Bank has violated the Fair Debt Collections Practice Act by calling my cellular telephone number XXXX more than seven ( 7 ) times within a seven day period. 12 CFR 1006.14- Harassing, oppressive, or abusive conduct, paragraph 14 ( b ) ( 2 ) ( i ) states that a debt collector can not call : ( A ) More than seven times within seven consecutive days ; nor ( B ) Within a period of seven consecutive days after having had a telephone conversation with the person in connection with the collection of such debt. The date of the telephone conversation is the first day of the seven-consecutive-day period. 

Comentity Bank called my XXXX which XXXX XXXX XXXX provided caller ID name detail on the following occasions : Tuesday XX/XX/2023 at XXXX ; Monday XX/XX/2023 ( XXXX XXXX XXXX XXXX ) at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ; Tuesday XX/XX/2023 at XXXX, XXXX, XXXX, XXXX. Comenity Bank called from the following phone numbers which were identified by XXXX XXXX XXXX  Caller ID Name : XXXX, XXXX, XXXX. I have saved XXXX call logs and XXXX XXXX XXXX call records as evidence of the company 's abusive behavior. 

The frequency of the calls, four calls within one hour this morning, clearly demonstrate abusive behavior intended to harass and annoy me in clear violation of the federal law.
Product: Credit reporting or other personal consumer reports

This is regarding my HELOC loan at Rushmore Servicing of Nationstar Mortgage LLC. I requested a payoff quote amount on XX/XX/XXXX. The company received my payoff amount of {$5200.00} on XX/XX/XXXX which was wired by a third party XXXX XXXX, of which {$5100.00} towards principal payoff. I received a letter stating that the loan was officially paid off and the Autopay feature was turned off. I also received a payoff overage check of {$25.00} on XX/XX/XXXX. 

However, my account was not closed as of XX/XX/XXXX when I reported this complain. I received the XXXX statement for the amount due {$100.00}. I called the customer service on XX/XX/XXXX who said that I was missing a Payoff Authorization form, but I did not owe the company, actually there was a credit on my account. I immediately sent the Authorization form with a certified mail which indicated they received it on XX/XX/XXXX. I called again on XX/XX/XXXX to confirm if they have everything to close my account and release the lien. The customer service said that everything is good. I have their Research Reference : XXXX I received the company letter on XXXX with a new payoff quote and instructions how to send it. I called them again to to confirm what they want in order to close my account. I sent the new quote for the amount of {$54.00} in cashier 's check, along with my letter to request close my account and release the lien on XX/XX/XXXX by a certified mail. They received it on XX/XX/XXXX by USPS tracking. Also noted, the company actually sent me a check with the amount of {$50.00} dated on XXXX. This is so contradictory with the new payoff quote. 

Today, I found the XXXX statement dated XXXX with the amount of due {$1.00} under my account online. This company listed my account as Delinquent Account on my credit report as of XX/XX/XXXX. 

I have all documentations if you need to inveterate this complains. I want to close my loan account, release the lien at my county promptly and clear delinquent status from my credit report.
Product: Debt collection

I enrolled in the XXXX XXXX Program at the University of XXXX XXXX XXXX for the Spring XX/XX/XXXX semester and Summer XX/XX/XXXX semester. For each quarter, I enrolled in one class. The tuition and fees for the Spring XX/XX/XXXX semester totaled {$5100.00}. The tuition and fees for the SummerXX/XX/XXXX semester totaled {$5000.00}.

I received a partial scholarship of {$1500.00} for each semester. Consequently, the outstanding net balance for both semesters was {$7100.00} ( {$10000.00} tuition less {$3000.00} scholarship awards ). 

As of XX/XX/XXXX, I paid {$3600.00} toward that balance, for a remaining balance of {$3400.00}. Because I was delinquent in paying that balance, I entered into a payment plan with the University. As of XX/XX/XXXX, the date of my last installment payment, I had paid an additional {$1500.00}, leaving a net outstanding balance of {$1900.00}. 

I then noticed that the University had been adding fees and late fees equal to {$600.00} to my balance for the Fall XX/XX/XXXX and Winter XX/XX/XXXX semesters -- semesters for which I was not enrolled. Additionally, it had allocated {$300.00} in payments I had previously made to these fees and late fees. 

The University subsequently assigned my account to a collection agency called National Credit Management, or NCM. On XX/XX/XXXX, I received a collection notice from NCM. The notice demanded payment of what it called a past due balance of {$2800.00}. The notice provided that I was entitled to dispute the debt by registering with a website operated by NCM. I did so on XX/XX/XXXX, via email to an individual named XXXX XXXX. 

In that email, I disputed both the amount demanded by NCM, as well as the actual net amount I owed to the University. In this respect, I disputed the {$300.00} in fees that the University had already allocated from my payments to semesters for which I was not enrolled, as well as late fees totaling {$300.00} that it had assessed with respect to those semesters. 

Accordingly, I informed NCM that I wished to resolve the debt, but only in the amount of {$1300.00}, which reflected the actual outstanding balance on tuition and fees attributable to semesters that I attended the University less the {$300.00} in fees I already paid and {$300.00} in late fees assessed for semesters I did not attend the University. I also informed NCM that I wished to pay the actual debt and bring the matter to resolution. 

I also informed NCM that it no event should it allocate any payments I make to it for any fees attributable to any past, present or future semesters for which I did not attend the University. 

I am eager to pay the actual debt and resolve this matter. However, I refuse to pay any improper fees. I have attached documentation evidencing the information above. 

XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear, MIDLAND CREDIT MANAGEMEN I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I'm requesting this * because I have had different companies reach out to me about the same alleged debt. ACCOUNT NAME : MIDLAND CREDIT MANAGEMENT Account XXXX I am requesting immediate deletion of all prior reporting made to my consumer reporting agencies, XXXX, XXXX, XXXX and XXXX is, you must cease collection efforts until this alleged debt is validated.you must show proof that you legally own this alleged debt and that it is accurate and complete SINCERELY
Product: Checking or savings account

Re : Complaint # XXXX - Reason given that Complaint XXXX was closed by CFPB due to prior or similar complaints filed. This result is inaccurate. Ive never filed a complaint with CFPB or CHASE BANK. Clarification and or action needed.
Product: Credit card or prepaid card

Last XXXX American Express came out with their new SPG Luxury credit card. They were offering XXXX bonus points if you spent a certain amount within the first 3 months. Since I already had a regular Amex SPG card I read everything I could about if that fact disqualified me from the bonus points. Based on everything that I read, I still qualified as long as the spending amounts were obtained. In fact, on XX/XX/XXXX I received an email from American Express stating that I would get XXXX points for upgrading. 
I had logged into my Amex account and upgraded the card. I spent the required {$5000.00} within the first 5-6 weeks of having the card. After not receiving the bonus points I contacted American Express in XX/XX/XXXX. They stated that I would not get the bonus points because I did not click on the link on the email to upgrade. There was nothing anywhere that stated that the only way that I would get those points is if I went through that email link. They are refusing to give me the points as originally promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts and Inquires on my credit without my knowledge.
Product: Credit reporting or other personal consumer reports

I do not know these hard inquires so please remove these from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX OF XXXX Inquiry date XX/XX/XXXX XXXX OF XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX MORTGAGE Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are enlisted in the report. 
I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Theft Affidavit. 
Please delete the items as soon as possible. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$7200.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$25000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried several times to dispute several inaccurate and fraudulent accounts from America First Credit Union, reporting to my credit report. These items have been hindering me from moving forward with other financial endeavors I want to pursue. 

These accounts are reporting as a positive account and negative account. This is not correct as I have never applied for an account with this company.
Product: Checking or savings account

I got an offer for {$350.00} if I opened a 360 checking account & had 2 eligible direct deposits. 

The offer was shown to me while I was checking my credit card. It was a little pop up that described those terms & then it had a claim now button or accept offer button on it. 
I clicked on it & signed up. Then, that day, submitted the request to my job to have 45 % of my checks deposited into the account ( about {$800.00} on average ), biweekly. 

After a few weeks, my partner ( who I told about the offer and had sign up ) received the XXXX, but I had not.. for some reason. So I called and asked why. They told me Id have to call back after a couple of MONTHS because it was an error entering the code on ( my ) part. The phone operator was incredibly rude & short with me. I called back & got told a date that was about 3 weeks sooner, so I was mildly more happy. Still did not understand why I needed to jump through these hoops to get an advertised offer, however. 

I then called back on the day she told me to, after planning my finances around the situation. While in XXXX, and on our last {$50.00}, I called the day I was directed to & all of a sudden, I had to wait a few more weeks again because they couldnt submit an override yet? When I asked to speak to a supervisor, she also told me that they could not submit an override yet & I expressed interest in closing my account.. seeing as already they had done a few shady things & it didnt seem like a good company to be banking through. 

Another aspect of the account that was appealing to me was the early bank deposits. I usually get my check on Thursdays, but they said theyd be able to get it about 2 days sooner. 

Prior to my last call with them, I always got it at around XXXX XXXX XXXX on Tuesday nights. 
With my first check since the phone call, for some reason the check is not even a pending charge & the other 55 % is pending to be deposited to my other account later today. Which leads me to believe they are now retaliating against me because of the previous phone call. 

I believe this company is making fraudulent claims and acting in a very dishonest manner. They enticed me into a bank account with them & have yet to fulfill their promise, even after I have called 3 times to get it sorted. I would not have signed up for the account had they not promised those two things & now they have taken them away.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on my account I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

You must remove this account that I disputed previously I did sent you the letter through certified mail but you failed to removed accounts that are unverifiable they are not attached to any address of mine so how are the accounts verified.
Product: Debt collection

XXXX is reporting to experian about late payments there is no payments due on the acct until XXXX of 2023. All acts are current.
Product: Prepaid card

On XXXX I requested {$580.00} from the XXXXXXXX XXXX XXXX XXXX, and only received {$100.00}. I'm missing {$480.00} from my account. I filed a complaint on XXXX, there has been no Provisionary credit given. Under reg E provisionary credit should be given after 10 days.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Re : XXXX XXXX XXXX again disputing this amount XXXX. This was wrote off from Navy Federal then Conserve and now XXXX company brought the collection. It is the same dispute. I file a complaint and dispute XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. Im a victim of fraud and attach is the police report filed then against Navy Federal. I also filed online XX/XX/XXXX and adding the the copy of the police report again. This needs to be removed and stop being brought out by other company trying to money from me. 




Sincerely, XXXX XXXX
Product: Debt collection

CMRE To Whom It May Concern : Account number # XXXX Account number # XXXX I am filing this compliant because I have recently checked my credit report. After reviewing the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that this information reporting is being disputed and I ask that you validate this debt. 

I ask that this request for validation because I do not recall or have knowledge of this so-called debt. Please provide physical evidence that I have a legal obligation to pay you. That is exactly all I need. Please provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
If you can not provide this information or fail to reply to this validation request within 15 days upon receiving the notice, this account must be deleted completely from my credit report. I look forward hearing from you to resolve this concern. 

Thank you, XXXX XXXX XXXX
Product: Mortgage

Wow. Dont even know where to start. And I dont want a canned/form response from them in 15 days. I want legal/government action taken against this company. Please let me know the avenue to initiate that. There are so many dates, times, and details about how theyve been treating me illegally, that I dont even know where to start. 
I'm a XXXX XXXX XXXX  that has never written a review, never missed a payment on anything in my life - including this loan, but I also have never run across a more despicable company in all my years. They lie, stall, refuse to do what they say - such as " a manager will call you back in 48 hours ''. I  don't even have the words to describe what a terrible company this is. They have been screwing me for 3 months solid now, and i can't even talk to an adult manager. I've called them at least a dozen times in the last 3 months and asked to speak to a manager several of those times, and i've never been allowed to talk to someone who sounds like they are over 18 years old. 
XXXX : 237 reviews. 1.3 stars average. 
XXXX XXXX : 77 reviews. 1.1 stars average. 
XXXX : 65 reviews. 1.0 stars average. 
Yikes. This could literally be the worst company in the world. 
At one point in this 3 month nightmare, a manager told me that I did not have to sign the paper saying they could charge me {$900.00} for an appraisal. He said I could send in an appraisal done by an appraiser of my choice and save money on the appraisal. That phone call was recorded. This serves as notice of pending legal action, meaning it is illegal to delete or destroy that phone call or any other records. 
The appraisal I sent in shows a $ XXXX value. My balance is $ XXXX. That is a 77 % loan to value. There has been significant appreciation since the home was purchased, and $ XXXX worth of interior Improvments have been invested in the property also. 
REMOVE THE PMI NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXXww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided all three bureaus listed on this complaint via certified mail a copy of an Identity theft report. The following accounts are mentioned in the report that was sent and need to be removed : XXXX XXXX****,XXXX****, XXXX****XXXX - XXXX****
Product: Credit card

signed up for new card, setup on autopayment, error on lenders side auto payment in full fell off. they charged me a {$29.00} late fee. i requested a refund and denied. i paid the bill in full and setup auto pay again. same issue occurred again and late fee was charged again for {$40.00}. they fail to accept their fault on auto payment in full going through.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit card or prepaid card

I payed off my credit card with oportun and closed the account and they keep harrasing me about a payment, i dont owe them anything. Ive asked the to stop they keep sending me a bill its always more every time. Oportun is a XXXX  company.
Product: Vehicle loan or lease

I, XXXX XXXX, am submitting this statement to formally report an instance of identity theft and contract manipulation involving my XXXX XXXX XXXX and to dispute the negative information associated with this fraudulent transaction that has been reported to the credit bureaus. 



In XXXX of XXXX, I entered into a contract to purchase the XXXX XXXX XXXX in good faith. I made six payments to Global Lending Services, fully expecting the terms of the contract to be upheld as agreed. However, upon closer inspection of the contract, I discovered that it had been manipulated and forged, with unauthorized alterations made to both the terms and my signature. This manipulation was done without my knowledge or consent, constituting a clear violation of my consumer rights under federal law, particularly the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act. 



As a victim of identity theft, I have suffered significant financial and emotional distress. The fraudulent contract not only compromised my ownership of the vehicle but has also resulted in a negative item being reported on my credit report. This inaccurate and damaging information is causing harm to my creditworthiness, which directly impacts my financial future. 



In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I formally request that all credit bureaus delete any and all negative items related to this fraudulent account from my credit report immediately. As this account was opened and reported under fraudulent circumstances, it is my legal right to have this information removed. 



I urge the relevant parties to investigate this matter thoroughly and to ensure that my credit report is corrected by removing the negative items. I also request confirmation in writing once this has been completed. 



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

I have disputed this account information as in accurate with you and you have come back to me and stated you were able to verify this debt. How is that possible under the laws of the FDCPAI have contacted the collection, agent myself and have been able to get them to verify that this is indeed, my debt.