23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reported 30 days late in XX/XX/XXXX for a credit card account with COMENITYCB/XXXX. I submitted a dispute to XXXX on XX/XX/2019. The XXXX update shows me 30 days late in XX/XX/XXXX and XX/XX/XXXX of XXXX. COMENITY is reporting that the monthly payment due in XX/XX/XXXX was {$240.00}, however, the online payment portal showing payment due shows {$140.00}. I raised this issue in XX/XX/2019 with a phone representative, who explained that I was formerly in the Hardship Program paying $ XXXX monthly, yet upon completion of the Hardship Program in XXXX the online portal system had not yet been updated, and that I had missed a payment forfeiting the benefit of the Hardship Program. I was told that if I missed a payment then the full higher payment would be due, calculated to be the higher amount prior to the Hardship Program. HOWEVER, when I called Comenity to complain, the phone representative explained that if the Collection Representative who calls is not an employee within the Hardship Department they will not be able to read the consumers account correctly to advise them on the correct payment to be made. When the Collection Representative called me in XXXX and XXXX seeking payment they asked me to pay the amount posted in the online system. One also noted that I made a double payment in XX/XX/XXXX and did not understand why their computer system identified my name to be called. Also in XX/XX/XXXX the payment payment says the minimum due is {$240.00} by XX/XX/XXXX. Yet the online PDF paper statement says the minimum due is {$530.00} by XX/XX/XXXX. The portal has never reflected the amount {$530.00}. This is a miscommunication to me as the consumer. The payment portal should accurately reflect the minimum due for XXXX, which is {$530.00}. Consumers should be able to rely on the information in the payment portal and not have to double check by launching a PDF to confirm the accurate amount. Therefore, I think it is unfair to consumers for Comenity to have an expectation that consumers pay an amount that is different than what is posted in the payment portal. It is an unfair business practice for Comenity to list an amount due in the payment portal, yet print a different amount in the Statement that Collections Representatives have not been trained to discuss with Consumers.
Product: Debt collection

On XX/XX/XXXX, I send a intent to vacate notice from apartment-moving out date was XX/XX/XXXX. 

On XX/XX/XXXX I was contacted via phone & made aware for the first time that I had debt from previous apartments that I had moved out from on XX/XX/XXXX. I informed debt collector that I needed written notice/validation notice from them Central Portfolio Control. Male didnt respond to my request & hanged up. 

On XX/XX/XXXX, I send Central Porfolio Control a letter with certified mail receipt-requesting written notice/validation from them. I have not received notice. 

On XX/XX/XXXX, I also send XXXX XXXX a letter with certified mail receipt requesting my deposit which they failed to return based on lease & requesting itemized notice of debt they are claiming I owed as I never received either.
Product: Credit reporting or other personal consumer reports

There was an invalid placement on my credit report of a bankruptcy that stayed for over five years and is currently on my report. the bankruptcy had been dismissed and terminated and was not subject to any adversary actions after requesting investigation proof from XXXX XXXX, as well as XXXX. I was told multiple times the bankruptcy was filed as valid when I requested the proof of investigation I was told that they were using pacer to validate the information, this is not a valid source according to the FCRA. The bankruptcy has been re-dated multiple times. I have notified XXXX as well as XXXX XXXX. The original filing of the bankruptcy in question was XX/XX/XXXX. XXXX XXXX and XXXX continued to report knowingly. It has caused me distress and inability to obtain credit. There is a {$0.00} liability clearly displayed on the account. There has never been an attempt to contact the treasurer. I have never received a response of results from my disputes after my first original dispute. The report that XXXX and XXXX XXXX displayed from XX/XX/XXXX to XX/XX/XXXX is in accurate and incomplete.
Product: Credit card

XXXX of my customers file a dispute on a transaction after buying a scooter from me and keeping the items. Contact Capital 1 to get my money back on my account and fax proof of purchase and as of today Capital did n't credit my account back. Transaction amount of {$800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$570.00} ), XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$6400.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX  XXXX XXXX ) , XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX XXXX XXXX ) , XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX  ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX XXXX XXXX  ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and Transunion data breach.
Product: Debt collection

The following accounts has caused me financial ruin. Iam disputing the accounts, because the accounts are an result of identity theft. I have reached out to these following companies several times. no results has been made. LVNV FUNDING LLC {$1100.00} XXXX XXXX  XXXX  XXXX  {$210.00} XXXX XXXX/XXXX  {$200.00} XXXX
Product: Debt collection

On XX/XX/2021 I rec 'd a letter from ERC - Enhanced Recovery Company , LLC stating they were authorized to contact me by XXXX XXXX to get payment for a XXXX XXXX purchase for {$140.00}. They, too, threatened to report my account delinquent to the credit bureau. 
I called the number and it was a virtual response. All they wanted was my credit card. 

I wrote them back that I have never been a XXXX XXXX customer and to please submit the billing/documentation that shows an invoice for me before I report them to the FTC/XXXX for harassment. 
I sent the letter back certified mail with return receipt. 

Yesterday<XXXX> I rec 'd another letter, stating they were responding with a document that referenced my account. The letter was from XXXX XXXX, Sr. VP of Operations XXXX The person 's name is my name, but the address is a New Jersey address. NOT ME. 

Enhanced Recovery Company LLC XXXX XXXX XXXX, XXXX, FL XXXX
Product: Mortgage

Per the contract, the transaction was to close on XX/XX/XXXX. 

XX/XX/XXXX I received an email from the lender stating that the final terms have been finalized. The new terms lowered XXXX than originally quoted which increased my cash to close approximately {$15000.00}. I informed the lender that I will not move forward due to the final terms and requested that my appraisal be transferred to a new lender. The lender denied my request stating that the deal is still viable.
Product: Credit reporting or other personal consumer reports

Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED! 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX | XXXX - {$360000.00} XXXX XXXX XXXXXXXX - {$0.00XXXX XXXX | XXXX - {$0.00} 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 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 that recovering of 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 consumer safety.
Product: Credit reporting or other personal consumer reports

I am writing to inform the credit Bureaus that I have been a victim of identity theft and to dispute certain items on my credit report. The items I am disputing do not relate to any transactions involving goods, services, or money that I have made or authorized. Here is the list of items that needs to be removed in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX & XXXX XXXX Balance : {$760.00} 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 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I have spoken to  XXXX  at this company several times and come to find out, she is recording my phones calls without telling me that they are recorded. I found this out through another customer that is having the same issue with this company. This company has used scare tactics and threats to me and my husband. I have repeated several times told this company that my husband and I do not have money to pay and I have even sent them documentation proving my  XXXX  status with Social Security and my husbands status. They still are pursuing us and making threats, the last phone conversation I had with  XXXX , she recorded it and did not advise me of this, or the fact that this was attempt to collect debt, never have they said this to me during any of our phone conversations. This company is using unfair collection tactics that are against the law and I would like them investigated please. I have heard countless stories about them and I also have my own experience. I have been in contact with an Attorney and will file a law suit for this unlawful behavior. I have told this company and even provided document to further prove out financial situation. We are filing Bankruptcy in a very short order and I have also told them to stop contacting me and I still get emails from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  company repeatedly reported a debt I did not owe on my credit report. I called XXXX and they stated that I did not owe the XXXX debt and never owed it but they continue to report for several months. This caused my credit score to decrease by XXXX points each month for several months XXXXXX/XX/XXXX. After several disputes it was finally removed. I
Product: Credit reporting or other personal consumer reports

Hello there ive been trying to solve a problem with my credit report its showing lot 's of inaccurate information that I try and dispute on my own and can't resolve. There is a XXXX XXXX  from XXXX XXXX  that I never asked for or received in the amount over XXXX around XX/XX/year>. I never bought any car from there or there associates.. also the address they have on my credit report is inaccurate I've tried to dispute the information with XXXX XXXX, transunion, XXXX and can't resolve the issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I am writing to dispute a fraudulent account with National Credit Systems that has been listed under my name in my credit report. As per the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and delete the account from my credit report, as I do not have any contract with National Credit Systems, nor is any money owed on my part. 

This is fraud and damaging my credit report unfairly and I wish to prosecute.
Product: Mortgage

Harbor One Mortgage, LLC. My sister passed away from XXXX. I'm her executrix. Nothing but problems on closing. Neither lawyer kept me in the loop which is also upsetting. I was told closing was XX/XX/21. Didn't close until XX/XX/21. Payoff amounts wrong. Payoff didn't arrive at Mortgage co. Until XXXX. They pulled XXXX mortgage payment. Getting run around. I'm told now I must wait until XX/XX/21 at earliest for a response regarding reimbursements. They won't tell me who is responsible for extra interest on loan which was not my fault. Terrible process and almost impossible to get a person on the phone..all prompts all the time.
Product: Checking or savings account

I XXXX XXXX made a deposit to an Chase Bank atm on XXXX for a check of {$21000.00}. On XXXX I called Chase Bank to see why didn't the check clear. I was then told by Chase Bank that my account is on hold and was being handled by a prevention protection team. The prevention protection team informed me that the only way that my account can be released from restriction is if the check of {$21000.00} can be phone verified through their system. I have giving Chase multiple numbers to verify the check, but have been told that all the numbers giving do not match with their system and can not be used to verify the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has stolen my information and is using it fraudulently to open accounts, apply for credit, and set up a fake business account invoicing customers and setting up fake charges.
Product: Debt collection

This complaint is against XXXX XXXX XXXX XXXX in the amount of {$4900.00}. 

In XX/XX/2018, I became a victim of identity theft. An unknown suspect opened multiple lines of credit and made purchases falsely with my personal information. Along with Mattress Firm, other accounts opened included XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 

In XX/XX/2018, as soon as I became alerted of this fraud, I immediately filed a police report with my local police department. This case is now inactive and a police report is available. The detective of my case, instructed me to complete an FTC Identity Theft Report on IdentityTheft.gov, which I have also completed. 

In XX/XX/2018, I contacted XXXX XXXX XXXX XXXX on the phone. They instructed me to fill out an affidavit that they would send by mail and for me to return it to them in order to confirm fraud. Being a first time victim of identity theft and because of the severity of fraud I had encountered, I did not realize these documents were time sensitive and did not return it in the time I was given. I called and spoke with a representative and asked if there was a way I could request an extension. I did complete the affidavit and faxed over these documents on XX/XX/2018. I also mailed them on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS USE TO OPEN FRAUDULENT ACCOUNTS WITHOUT MY CONSENT OR KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility. It is crucial that you investigate this matter thoroughly and promptly correct the error.
Product: Credit reporting or other personal consumer reports

Wrote letters to the company and got nothing in return but a letter with my name and the inquiries and the inquiry dates thats it!!!
Product: Credit card

On XX/XX/year> I used my care credit credit card through synchrony bank to pay for a XXXX XXXX with XXXX XXXX XXXXXXXX / or known as XXXX. I went in for operation on XX/XX/year>. Immediately when I woke up I realized I was botched, the doctor didnt do what we initially discussed. They XXXX  me with XXXX  before I even seen the doctor on the day of operation, they only had me conscious to sign my care credit repayment agreement. After seeing that the doctor XXXX XXXX XXXX XXXX didnt do what we discussed or that I wanted I started crying, the nurse told me that wait to my swelling go down and things will look better. XXXX weeks went by and I had a lXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Too painful to sit, to sleep, or to do any regular life activities. I contacted the nurse and asked to speak to the doctor and for a follow up visit I got nothing but the run around and was able to leave messages for the doctor to call me back, I never got a call back for a whole month. Then I started looking for other surgeons, having consultations to see what are my options & what could be done. I called synchrony bank/ care credit to dispute this botched procedure, sent them photos, and showed them I had to have a new XXXX for correction and to get the hard lumps removed. On XX/XX/year> I had another XXXX to correct the lumps and disfigurement of the XXXX with XXXX plastic XXXX. 
On XX/XX/XXXX I got a email from synchrony bank/ care credit letting me know that they have declined my dispute and still want me to pay for the botched XXXX with keyston/ goals. Even though I had to use my care credit account again to pay for the corrections & botched procedure. I shouldnt be liable or have to pay to be botched by a surgeon. XXXX goals plastic XXXX gave me XXXX XXXX, XXXX, misery and loss of work for XXXX  months battling this. My livelihood was on pause until I found a surgeon that could help me and fix this.
Product: Credit card or prepaid card

XXXX XXXX ( aka XXXX XXXX ) provides high interest loans ( 25 % + ) for XXXX work. Each time you decide to finance a procedure it is separated into its own " plan '' on the loan account. Depending on the promotion, you may have 1 or 2 years to pay off any given plan without incurring any of the deferred interest. My first two plans were 2-year deferrals opened in mid-XX/XX/XXXX and end of XX/XX/XXXX respectively and payments were applied in amounts weighted towards the first plan with the earlier deadline. My monthly payments were easily enough to meet the expiration dates. So far so good. 

At the end of XX/XX/XXXXand during XX/XX/XXXX, my wife and I had more emergency XXXX issues and since we had more available credit on the XXXX XXXX loan, we added four ( 4 ) more procedures ( plans ) to the loan. At this time, XXXX XXXX started allocating my payments across all six loans and I increased my monthly payment to compensate and stay on track to pay off the first two plans within the promotional expiration dates. 

Fortunately, the first plan was far enough along that it was paid off by mid-XX/XX/XXXX. As the expiration of the 2nd plan was approaching, XXXX XXXX began siphoning a larger proportion of my payments to the newer plans with much later expiration dates. In hindsight, I realized they were intentionally ensuring the amount applied to my 2nd plan would not meet the payoff amount and miss the deadline and incur the deferred interest. When I called their customer service to protest, they said sorry it is what it is. I was then told my only recourse was to explain my case to them in writing, which I did. I provided a schedule showing exactly how they had been applying my payments ( for which I could discern no logic ) and how they could and should have been applied to meet the deadlines. There written response was, " ... we find the finance charge to be valid. '' I find that XXXX has intentionally obfuscated the method used to apply payments to plans to make it impossible for customers to determine where they stand and adjust payments to compensate. But really, they are just a fancy predatory lender. I can only imagine how many others have been cheated this way. 

I have since been able to pay off all the remaining plans to keep them from cheating me on my other plans, but they have still taken me for over {$1000.00} in unfair interest
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. XXXX XXXX  Partial Acct # XXXX ....
Product: Debt or credit management

The account been suspended for 3 or more years and Im repeatedly asked for proof they maybe we can give you proof you if said you are you I dont understand why they keep this information on my credit but its not fair.
Product: Credit reporting or other personal consumer reports

My information was compromised at XXXX XXXX XXXX XXXX Ohio XXXX and XXXX XXXX XXXX XXXX Ohio XXXX. XXXX XXXX XXXX XXXX has been my only address for the past 10 years.