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

I have had an express department store card with Comenity Bank for years, never had a problem. I have been trying to log in and pay my account for almost a month and their system has been down for updates and not allowing anyone to make payments. When you call them, their office is temporarily closed. I cant speak to a live person, I have been unable to email them, but I have contacted them via XXXX and XXXX. I keep getting the same responses. That it will be fixed by XX/XX/XXXX and it hasnt. Now theyre telling me due to the high volume of people trying to make payments, I cant log on!? I have excellent credit, have never been late and Im very upset this will have a negative impact on my credit bureau. I am desperate for help, as are MANY others on social media if you look up Comenity bank
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report have been blank from XXXX when Experian send my credit report via mail which was XXXX and after that is have been blank.. 
Please update my credit report my credit not showing no score.
Product: Checking or savings account

On XX/XX/year> I ordered XXXX XXXX, totalling {$61.00}, for my family. XXXX was in charge of delivering our order even though I ordered our food directly through the XXXX XXXX app. When the XXXX driver arrived to deliver the food, I immediately noticed something was wrong. We ordered a lot of food and the driver only had XXXX bag that had no delivery seal over it. I immediately asked the driver about the amount of food and he claimed that when he arrived they were looking over the order to make sure everything was correct so he assumed it was. Upon checking my order I found all of our food was in fact NOT delivered. We were missing a lot of food and it was obvious that the XXXX driver stole some of our food. I contacted XXXX and they setup for the entire order to be re-delivered because of our order missing items and the unsanitary nature of thr DoorDash driver going into our food bags to steal the food. I also putbin a complaint against the driver. When the XXXX XXXX driver arrived at XXXX to pick up our order, none of it was ready. When I was speaking with the driver on the phone and he was relaying information and questions, the XXXX XXXX workers claimed they never received a transmission to redo the order and they couldn't re-make it. The XXXX XXXX driver apologized and suggested I contact XXXX for a refund. I contacted XXXX for a refund, however they could not refund me because they did not take the payment. I reached out to XXXX XXXX several times that evening. There was no customer service phone number provided and on their app the only form of contact provided is email. I sent them several emails regarding what happened and they only offered {$15.00} off our next order. This was unsatisfactory being that more than {$15.00} worth of food was stolen and we couldn't eat any of the food being that the XXXX  driver went into our bag of food. I let them know I would be disputing the transaction with my bank, CHIME. I disputed the transaction immediately upon it posting. Chime has denied this dispute twice. The first time it was denied, they claimed it was because of the reason I selected for the dispute. The representative suggested to me to change the reason for the dispute and resubmit it, which I agreed to did and did. They then denied my claim for a XXXX time. I provided all of the information they requested, including screenshots of communications. I submitted a complaint against them via the XXXX  and they still continue to deny me of my funds that I have every right to and they are legally obligated to protect. They claim they did an investigation, which simply isn't true. If they did an investigation then I would have my money back in full. My food was stolen. My money was stolen. I AM THE VICTIM! This has done nothing but caused emotional and financial distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent TransUnion 1 letter and 1 fax asking to have an incorrect public record '' bankruptcy '' be removed from my report. i have supplied them everything to show that this account is NOT MINE! i have never even lived in XXXX, WA where supposed bankruptcy addresss was filed. i dont know how this inaccurate info came to be on my report i just seek to have this fixed. it transunion would like i can send them over evidence XXXX an XXXX  have quickly corrected this mistake.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investing this matter to ensure my rights are upheld. Thank You
Product: Debt collection

This account was opened in XXXX. Charged off in XXXX. Company will not provide account validations with accurate dates, shows account closed in XXXX. I have been attempting to fix this since XXXX.
Product: Vehicle loan or lease

Santander has caused nothing but problems for me since the day I asked them to change my due date. A month or so after I received my car loan through this company I asked them to change my due date. They agreed and so I started making payments on the agreed upon date. Shortly after that I started getting bills in the mails stating that I was late. I knew that I wasn't late because I was making the payments on the agreed date. Long story short I called them several times to get it straightened out and each time I was assured it was corrected. Nevertheless the late notices kept coming. 

Then the repossessed my car due to their error and I had to pay to get my car back when it was not my fault. I received nothing but an apology from them and no compensation. When my car was repossessed I immediately called them and they pulled the records and the recording of my calls and found their error. I got my car back and have to borrow XXXX dollars from my brother which I had to pay back. I recently looked at my credit report and I've noticed that they haven't corrected my credit report to reflect never late b/c I was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently pull my Experian Credit report and I noticed that i have incorrect personal information and unverified accounts, I have being sending some dispute letters to EXPERIAN for the personal and unverified account since XX/XX/2018 to XX/XX/2018 and they are still reporting on my credit report all this wrong information. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) wich they should have on file of the all accounts. they failure to positively verify those accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts and wrong information.
Product: Debt collection

Okay this is what has happened! I ordered XXXX for my home but then they wanted to charge me so much money I decided I did not want it, so I called to inform them I could not pay for it because it was just too high. Mind you I only have the equipment for a week or lest than that cause I cancel my service prompt. Now they want me to pay a total of {$520.00} for the equipment that I only have for a week. Now they put this on my credit report to hurt my credit I just got it fixed. Now if they want to work some out I will do that but I really don't think I owe them anything. So they turn it over to a creditor to bring down the rating. Not fair at all. And all this took place around XXXX or XXXX I have to look at the bills they sent me. XXXX XXXX, XXXX.
Product: Mortgage

I dont was made aware of Wells Fargo settlement but no one notified me from Wells Fargo
Product: Checking or savings account

I opened a Citibank account with a {$400.00} promotion for minimum {$15000.00} deposit and another {$100.00} for direct deposit. The banker XXXX XXXX XXXX XXXX XXXX at opening confirmed with me that I am eligible for the promotion. I have kept the balance for more than 6 months now and still no bonus has been given to me even after numerous complaints to the bank and the executive office. Citibank is scamming customers and not honoring their promotions. The terms were to keep the money for 60 days and within 90 days the {$400.00} bonus will be given to me and another {$100.00} for direct deposit for a total of {$500.00} dollars. It has been more than 6 months now to no avail even after numerous complaints and calls. This is not acceptable.
Product: Credit reporting or other personal consumer reports

I have provided required documents to substantiate my claim. Additionally, I have included a victim determination letter as required by 1022.142 ( b ) ( 6 ). In accordance with section 605C of the Fair Credit Reporting Act, I kindly request that THEY block the disputed information from my credit report within XXXX business days.

I have provided documentation from the list of acceptable items, of which only XXXX are required by law. Please find attached all relevant documents supporting my case.
Product: Mortgage

PNC LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX and XXXX XXXX We started a short sale on XX/XX/18 and faxed our authorization to PNC. We have sent our authorization in multiple times since then, yet PNCs front end seems to have no access to the authorizations on file. They not only refuses to speak to us, but refuses to transfer us to someone that can speak to us.

This has been a trend with PNC over the last year on ALL our short sales they dont upload the authorizations so their front end can see them, then they refuse to speak to us on the short sales that we are CLEARLY authorized to speak on.

In addition PNC is REFUSING TO SEND US A PAYOFF DEMAND.

These are both violations of servicing guidelines and this needs to stop NOW. I want our authorization uploaded appropriately and I want a Payoff Demand with NO FURTHER DELAYS OR EXCUSES.

WHY is PNC being allowed to violate servicing guidelines??? WHEN is this going to STOP???!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, {$0.00}, XXXX has obtained my public information and sold it to Equifax, XXXX and XXXX. Equifax, XXXX, and XXXX state on their website that they obtain local, state, and federal courts info THROUGH a third party vendor, XXXX. Without my permission, XXXX purchased my information from XXXX and sold my information to Equifax, XXXX and XXXX. The United State Bankruptcy Court, XXXX XXXX of North Carolina Deputy Clerk mailed me a letter. I have attached the letter to prove that XXXX did not get MY background information from the federal court of North Carolina. The deputy clerk states in the letter that access to bankruptcy files are made through the XXXX system. I researched XXXX and went on the website. In order to get my public records I had to pay a fee. Which means XXXX had to purchase the information about me and sold it to all three credit companies. THIS IS A VIOLATION of the Fair Credit Reporting Act. Laws 15 U.S code 1681, 15 U.S code 1681b, EQUIFAX, XXXX, and XXXX clearly violated these laws, 15 U.S code 1681m. I was never notified Orally, in writing or by electronic NOTICE of the adverse action to my consumer credit reports. Another law they have violated is 15 U.S code 1681c-2, 15 U.S code 1681b. I have disputed this twice with each agency and it came back verified! This is another violation of 15 U.S code 1681i.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is the false information I found on my profile : Accounts 1 ) XXXX XXXX XXXX : {$0.00} - XX/XX/XXXX 2 ) XXXX XXXX XXXX  : {$0.00} - XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX : {$0.00} - XX/XX/XXXX 4 ) XXXX XXXX XXXX  XXXX : {$1600.00} - XX/XX/XXXX 5 ) XXXX XXXX  XXXX : {$0.00} - XX/XX/XXXX Inquiry 1 ) U.S. Bankruptcy Court - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX : Reported on XX/XX/XXXX
Product: Credit card or prepaid card

on XXXX XXXX mty income taxes and paycheck hit my chime account.. I received a email stating that I won XXXX dollar once I click on the email it link the hacker to my account with the began to change my phone number and email address which completely locked me out my account. I called chime stating that Im locked out my account and my email and phone number was changed. She began to send me a code which I was able to get back in the account then I got locked back out so I had to repeat the process I finally got into my account and changed my email and phone back to what it original was at the beginning. I seen that the hacker made two transfer and two payment one to a XXXX  account of XXXXXXXX XXXX XXXX account for XXXX and XXXX They made two payment of XXXX and XXXX to a usps po that was made in XXXX, Ma. Chime refused to pay my money of XXXX back due to they consider they not concerned unauthorized transactions.. Now I don't have a debit card and I cant use my account at all my debit card will not allow me any tracstions. Now they are closing my account as of XX/XX/2023 without give reasonable information..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a complaint for Credit reporting Improper use of my report and The credit bureaus stated the following accounts ; XXXXXXXX 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 XXXX XXXX XXXX  were properly investigated, however how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is ground for removal. My rights were violated under 15 U.S.C 1681 Section 604 Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
I havent given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX and Equifax. 

Please delete the following accounts : XXXX XXXX XXXX. Account number : XXXX Balance : {$14000.00} XXXX XXXXXXXX Account number : XXXX Balance : {$7500.00} XXXX Account number : XXXX Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Re : Letter to remove inaccurate credit Information Recently I looked at a copy of my credit report and notice several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigating these items for me to ensure accurate. 
Here are the items I am asking you to verify as accurate. 
1-XXXX XXXX XXXXXXXX XXXX Total card ) - XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX After your investigation is complete XXXX XXXX XXXX XXXX XXXX XXXX XXXX mail. 
Thank you in advance. 
XXXX XXXX XXXX
Product: Credit card

I was never late in paying my Capital One. The account was on autopay set up through Capital One and that had been the mode of payment since establishing the account. I paid the account off in XXXX. I do n't know how they can justify destroying my credit by stating that I was XXXX, XXXX and 90 days late for account number XXXX and that my account was closed by grantor. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus!! When I call and wrote ( certified mail, twice ) Capital One they refused to take this enormous mark off my credit. That account has a zero balance and was closed at my request, as I had XXXX other Capital One cards with higher balances. This behavior is not in good faith and I dispute the last report to the credit bureau. Please investigate and remove the late payment from XXXX and XXXX off my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Wakefield & Associates ( account # XXXX/ {$1000.00} ) is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report concerning my account XXXX XXXX XXXX account number XXXX After reviewing my credit report, I have found late payment and charged off entries that I are incorrect. 

XX/XX/year> - reported 30 days late XX/XX/year>XXXX  - reported 60 days late Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy and completeness of the information you report. I request that you investigate this matter and update and correct my credit report to reflect the accurate payment history. 

Please provide me with a written confirmation of the outcome of your investigation. 
Thank you for your attention to this matter. I look forward to your timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit on a credit card account under an open end consumer plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that are mark as inaccurate : Applied bank XXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX Acct # XXXX.
Product: Credit card or prepaid card

Capital One My Account is up to date I have late payments because I got layed off due to corona virus. 

I was one time and never maxed my card out I usually keep a XXXX balance every month I tried to get a limit raise to lower my utilization but they would not work with me I want to dispute the late payments since I have my account back up to date
Product: Mortgage

XXXX was servicing my mortgage and sold it to Carrington Mortgage Services. I was double charged on my first auto draft payment to them ( permission provided from XXXX ) and when speaking with the representative on the phone, acknowledged the charges but said there is no way to reach the department or anybody that can fix these issues other than through fax or hand written request and a delay of 3-15 business days upon receipt and verified proof of double payments posting. On top of this, I suggested skipping a payment the following month to avoid the hassle and was told that the next month 's payment would still be taken from me and I would be ahead of the payment cycle until the loan is paid in full. 26 years later. The double payment that was taken did not post the second amount to the principal balance and instead still applied both as full regular payments. To take double the payment when not allowing for a payment in excess of the amount due is one problem, and then not being able to easily refund the stolen funds is certainly another. Any assistance you can provide would be greatly appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

My credit report shows inquiries I do not recognize, made by companies I never authorized and applications I never initiated. Its incredibly frustrating to see my rights as a consumer being disregarded, adding to the stress Im already dealing with in my life.