23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have submitted a dispute via certified mail with Equifax in regards to the improper reporting of the payment history, as well as, account balance which is being reported by XXXX XXXX. The original dispute date was XXXX XXXX, 2016. Along with contacting Equifax I 've also contacted XXXX and Experian as well and have received the same reply that the Furnisher, XXXX XXXX, is verifying that the information is correct when in face my dispute stated that I was requesting verification because I have proof of payments that was not reported as well as deferred payments that was also not reported. I am very upset that these credit bureaus are not thoroughly investigating consumers accounts such as mine. According to the Fair Credit Reporting Act the Furnisher has 30-45 days to complete a thorough investigation resulting in correction or deletion of the account and or information in order to not violate the consumer and at this point after unsuccessful attempts I, the consumer, rights are definitely being violated.
Product: Credit card or prepaid card

I am writing out of frustration and uncharacteristic anger, re : an issue I've had with Comenity Bank and my XXXX credit card. 

I contacted an XXXX after receiving a paper statement ( I typically receive statement electronically ) with an overdue balance. This was disconcerting, because my balance of {$510.00} was paid in full online by my brother in XX/XX/2021. At the time, my entire household was ill with XXXX. My wife and I were ill, but we asked a family member to sign onto our computer and pay all of our bills in full. 

Today, I learned that because the bill paid three days late, the account was charged late fees. I now have a balance consisting of nearly {$200.00} of late charges and interest. I incorrectly assumed that Comenity customer service would help, given the extenuating circumstances. I assumed incorrectly. 

I initially spoke with a representative who offered a " deal '' of XXXX payment, if I made it in full. On principle, I asked to speak to a manager. In speaking with the manager, I was told that now the bill would be subject to an " escalation '' penalty with the total due asap. When I inquired about the initial " deal '' offered, I was told that asking for a manager would always trigger a penalty.

I contacted Comenity and was told that the only recourse would be to file a complaint on their website, which I did immediately. I've attempted to do this three times, and after locating a hard to locate " Contact Us '' page. On each occasion, the form dropped the content and/or I was locked out of the account.

I am disgusted and in need of assistance to resolve an issue that should have never been an issue. Please help.
Product: Credit card or prepaid card

Request investigation into why Nordstrom is not waiving late fees due to hardship on account of covid 19.  The company is also not removing the charge off on the credit score. I have paid two installments of {$120.00} and {$130.00} with considerable difficulty of which only {$160.00} is the amount for purchases made in 2018. The company had the wrong address - they had XXXX XXXXXXXX XXXX on their files instead of XXXX XXXXXXXX XXXX. Any mail never reached the address. The company never called to initiate a payment plan. 

Secondly, a credit card application was never processed and I have not received any mail again from the company as to its status. 



Due to Covid, my financial situation is extremely precarious and the interest that has been added on account of an error on part of the company can not be allowed during covid when even banks have been given regulatory orders to remove payments that increase burdens on consumers. I would also like my card application to be processed in a timely manner.
Product: Credit card or prepaid card

On XXXX XXXX XXXX, I transferred {$30000.00} from my Bank of America checking account into my savings acct online, but I accidentally transferred it into my Visa Rewards Signature Account instead. I immediately called ( XXXX ) to have this fixed and was told over the phone that we had to wait until it was posted for it to be returned. I called on XXXX as it had been posted and spoke with XXXX who informed me it would take 3-5 days for it to be returned as they had to ensure it wasn't fraud money. I gave them more days than that. On XXXX I called back because I still hadn't received my money back into my acct. I spoke with XXXX and he stated up to 10 days from right then as the process had to start over since I was making the request again to have the money replaced back into my account. On XXXX, still no money, I spoke with XXXX and XXXX and am now told up to 48 hrs for the money to be returned. It is now XXXX and my {$30000.00} has not been returned to my account. I had a XXXX balance on my card so there has been a credit for {$30000.00} for over a month now that they will not return. I have called again today and am waiting for the XXXX XXXX XXXX to call me back - his name is XXXX XXXX. If it was reveresed and I owed them {$30000.00} I would have to pay significant amounts of interest. This is fraud as they are making money off my error that I tried to rectify immediately. This is in violation of the CFPB 's 1026.11 regulation
Product: Money transfer, virtual currency, or money service

I signed up to eToro and invested in Bitcoin and Etherium. After a few weeks, they emailed me saying that they wanted me to send several pictures of my i.d . I responded saying that I did not want to send them any more personal information or i.d., and that I wanted to withdraw all my funds. They responded by saying they would remove my funds from the market and send them back to my bank. They never sent my funds back to my bank. I have tried withdrawing my funds ( {$1800.00} ) myself several times but only get an error message : We were unable to submit your request. Please contact customer service for help. I have emailed customer service but get no response. 
I tried calling customer service but only get a recording. 
They have my money and have locked my account. In the meantime they are making money on my money, and I have lost money because my money is locked up. Please help. 

XXXX XXXX XX/XX/21
Product: Credit reporting or other personal consumer reports

I have filed a complaint with the XXXX of Michigan regarding this matter. The XXXX stated that XXXX XXXX XXXX should not be reporting to any of the credit bureaus as it is over the 7-year mark that is required by law to do so. Experian is the problem. When I contact the credit union they tell me that they are no longer reporting to any credit bureau. The loan department shows this as well as the collection department at the credit union. No other credit bureau is showing this information except experian. Each time I dispute it they refuse to delete it. It has very limited information and the negative information shown for two of the months is incorrect as well. It needs to be removed completely from my XXXX credit report. 

XXXX XXXX handled the complaint and I have provided a screenshot of the complaint number.
Product: Credit reporting or other personal consumer reports

I called Equifax XX/XX/XXXX because I could not get into my account to unfreeze my credit. After waiting on line for almost an hour, I finally made contact with a live person. She took my information, etc. and said she had taken the freeze off. She didn't know why I couldn't access my account to do it myself. 

Today, XX/XX/XXXX, I found out the freeze had NOT been taken off. I still can not access my account. I have been on hold off and on since XXXX XXXX It is now XXXX XXXX 

This is a terrible company. This problem may cause me to lose my opportunity at a new townhouse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00}XXXX XXXX XXXX Balance : {$2100.00}XXXX XXXX XXXXXXXX Balance : {$1900.00}, XXXX  XXXX Balance : {$660.00}, XXXX XXXX Balance : {$10000.00}, XXXX XXXX XXXXquired on XX/XX/XXXX, EXPERIAN XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX According to FCRA XXXX XXXX ( a ) the XXXX 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 card

I am writing to address a matter of concern regarding my recent application reference number XXXX on XX/XX/2024 for an Amex Card. As a consumer, I submitted an application in good faith for an Amex Card to American Express, but regrettably, my application was denied. This denial has raised serious concerns regarding potential violations of consumer rights and securities laws. 

It is my firm belief that American Express is engaging in practices that may constitute securities fraud and violations of the Equal Opportunity Act and the Consumer Credit Protection Act. By denying me access to credit without just cause, American Express is effectively withholding me from exercising my consumer rights. Furthermore, the unauthorized use of my Social Security number in the application process without extending any benefits to me is deeply troubling. 

In reviewing American Express 's Prospectus filed with the United States Securities Exchange Commission, it is evident that they engage in securitization of card member loans and receivables through the transfer of assets to securitization trusts. This raises concerns about the handling of consumer data and the potential misuse of personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$550.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX Balance : {$540.00}.
Product: Debt collection

This account does not belong to me. It needs to be removed from my credit immediately. The company is refusing to delete items from my credit report after I contacted them 40+ times with no response! Please have them removed this false account from my XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from it. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$210.00} XXXX XXXX  XXXX XXXX XXXX : {$1400.00} XXXX XXXX Balance : {$520.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX Balance : {$1.00}
Product: Credit reporting or other personal consumer reports

Equifax continues to allow creditor ( XXXX ) to falsely and fraudulently report incorrect balance on my credit report. Even after submitting 7 disputes, proof such as Federal Tax documents, and supporting letters to correct this issue. 

Equifax, has corrected this issue in XXXX XXXX XXXX 
Now 2 years later this error has re appeared on my report. None of their organizational processes or persons has been helpful in resolving this simple issue! 

At this time Equifax is knowingly aiding fraudulent behavior and committing Fraud!
Product: Credit card or prepaid card

On Thursday XX/XX/XXXX capital one contacted me and unrestricted my account adjusted my balance but when i asked about the interest that was charged on my account for the XXXX weeks the balance was doubled from XXXX to XXXX they refused to give an answer. The rep then stated he closed my previous complaint but neglected to inform me that he opened a new one and restricted my account again. Gave no reason for the new case and requested I send identification documents drivers license proof of address bank, social security card statements and utility bills to an email upload request that doesnt state how they will ensure that my privacy and information will be secured and with al they security breaches they leave me subject to more fraud as my personal documents are being sent into an unknown location to an unknown person with no reason for why they require so many personal documents that are typically not shared even for a home mortgage. I gave the documents and he stated ill have to go back to waiting another 7-10 days for a response or next steps. My account was restricted for a new case no reason given and I cant stop auto pay or adjust payments, so no resolution was achieved yet the case was closed. Capital one appears to have done this to make the previous complaint go away even though they did not fix the problem or address the reason for the restriction. This is the 4th time I have called them in the last 8 weeks and each time a rep says someone will contact you in 5-7 day and no one ever calls back. They returned my call do to address my complaint but then closed the case and opened another case to continue to play games with the system and timelines to response to customer inquiries. They opened a new case to make themselves compliant with timeframes but they actually are not resolving the issue or abiding by their terms for disputes. THe restricition is just a way for capital one to force me to pay high interest rate for more than a year as i am unable to payoff the balance or do anything to the account and that is an unfair lending practice and then they make themselves unavailable so they can get away with it and play with dispute timeframes to continue to rack up interest.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date of Birth : XX/XX/XXXX Correct and Only Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Last 4 of SSN : XXXX Email : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, XXXX XXXX Dear Sir/Madam, I, XXXX XXXX XXXX am writing to formally dispute incorrect information reported on my credit report. On XX/XX/XXXX, I contacted all three credit bureaus regarding inaccuracies, but as of today, XX/XX/XXXX, I have not received any communication confirming the removal of this incorrect information. 

Credit Report Information : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Last 4 of SSN : XXXX I am demanding the immediate removal of all incorrect information from my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report. Section 609 ( 15 U.S.C. 1681g ) mandates that consumers have the right to obtain all information in their files at the consumer reporting agency, including any inaccuracies that may be affecting their creditworthiness.

Additionally, Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of disputes and to remove any information that can not be verified. As I have disputed this information and received no response, the agencies are in violation of the FCRA.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), consumers are protected from misleading or inaccurate information. As such, I am requesting that you ensure all reporting agencies comply with federal law by conducting a thorough investigation and removing any unverifiable information from my report.

Please confirm receipt of this letter and provide documentation regarding the actions taken in response to my disputes. I expect the inaccurate information to be addressed immediately, as mandated by law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX XXXX
Product: Checking or savings account

My dad who recently passed away has been using fake accounts in my name to steal money from me over the course or a year or so over XXXX $ he would make gambling site accounts with my information and gamble or transfer money back and forth to other banks so I wouldnt know and Im financially been strapped the whole year barely making it because of this the bank is closed and I can no longer access it but the transactions were to a company called XXXX XXXX they should have all the information of dates and time and transaction amounts I cant access those and because of my bank being negative I ended up losing my bank account because I was unable to pay off the money
Product: Debt collection

I 've recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and neither have they provided me with services or goods
Product: Credit card or prepaid card

American Express is not resolving my dispute with XXXX XXXX and has closed the dispute under deceptive practice while I was being XXXX  I'm XXXX XXXX  XXXX in the state of Illinois.
Product: Debt collection

Never received a written letter about a debt until few months ago I saw a credit report change from TSI. 

I asked XXXX XXXX to validate if the debt was real. 

I received a letter around XXXX that the debt was valid. 

I sent an offer letter for a certain amount to payoff the debt to TSI. The letter was sent early XXXX. 

I received a call around middle of XXXX from a TSI agent that the offer was accepted for XXXX. They said I would only be able to pay over the phone as the automated system would force me to pay the full amount. I asked to be sent a written letter about the offer being accepted. They agreed to do so and that I can pay once received. 

Several weeks go by. I call XX/XX/XXXX to inquire about the letter. This new agent says that the previous agent I spoke to agreed to the XXXX but they were in a different department and that they wont be able to accept the XXXX offer. I asked to be transferred to the correct department and the rep refused stating they wont transfer me. I asked what happened to the letter, and the rep said they dont send letters to offers not accepted. 

I asked why I never got a response from my mail I sent on early XXXX since they did receive it since they agreed on the enclosed amount, and the rep said they dont response to letters.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX XXXX XXXX and I sent money to my sister XXXX XXXX XXXX XXXX on XX/XX/XXXX. My sister never received her money and I never received a refund. My order number is XXXX and my client number is XXXX. I have emailed and have not had no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete From My CREDIT REPORT 2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete From My CREDIT REPORT 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 


4. The following personal information is incorrect Account Number : XXXX : XXXX XXXX XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Debt collection

I received a bill today from Tice Associates stating that I owed a doctor {$77.00} and have failed to respond to previous notices. I have not received any other previous notices, nor recall having been billed for this amount from this doctor. When I placed an immediate call to the number listed on the letter, the gentleman told me that he has sent multiple notices for this amount and when asked, I was told the date of service was from XX/XX/2016. I do not like to just pay something I have no recollection of owing without having proof of this. Nothing else was sent with this letter, and as I said, I have not received anything regarding this supposed bill in over a year, and do not recall ever even getting the original bill as I pay my debts and am very careful when it comes to my credit score.  When I tried to get information on this and said I needed to do some research into this, the creditor stated that I was refusing to pay my debt. On the phone call with this agency, I stated that I had received a bill as I thought this was referring to a doctor 's appt from earlier this year but from my records I was thinking of a different doctor who also works in the same office that I paid a bill for.