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

Comenity Bank has used unfair and confusing practices with a credit card. I applied for an account with Wayfair online around the XX/XX/2020. The same day I made a purchase online, but waited to receive the credit card in the mail. It took a while ( I received a bill in late XXXX or early XXXX ) to receive any correspondence via email or in the mail. I received my product on XX/XX/XXXX. About a week later I attempted to go online to make a payment. It has been very difficult to communicate with their office about payment. The Comenity Bank website for the Wayfair card was not working properly. When I was finally able to get to the login for payment page, it still did not work properly. I was not sure which number to use to call them. It took a few days to engage online, but when I was able to get to a page to log in, it required the account number, which I did not have, to login. Then I received a letter that stated the account would close in 10 days. Wayfair switched from Comenity Bank to a different bank for credit card services and as a result reported to credit bureaus that the account was closed ( a negative impact on my credit ). I waited for the bill in the mail. But that the bill I received did not have a full account number listed. I called the number on the statement and was able to make a payment but I noticed that they charged me a late fee. I expressed how difficult it was to figure out how to make a payment online. Eventually, I asked about having the fee waived due to the difficulties of going online and paying as well as no account number appearing on the bill and they told me since the account was closed there was no way to reverse the fee. I asked how are they able to charge a fee but not reverse it? They had no explanation nor did the agent seem to care. He went on to explain to me if I paid it on time there would be no fee. I reminded him about WHY payment on time was an issue and that was the reason for my request. Eventually I asked to speak with a manager. When the manager got on the line, I asked why they were charging a fee on an account they closed. She asked which account, I told her Wayfair and she said, we do not service Wayfair accounts, XXXX does. While I was explaining to her I was a new customer when the switch occurred the line dropped. It was hard to tell if it was on purpose or accident because it dropped right when she finished her sentence and I began to speak. I called back and was on hold for 3 min and the call dropped again. 

This bank should not be allowed to offer services to the public if they are not able to properly handle accounts in a situation like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regional Acceptance Corporation on XX/XX/2019 gained unauthorized access to my credit report.
Product: Credit reporting or other personal consumer reports

I am not satisfied with the results from Experian because I requested specific information regarding the verification of accounts does not belong to me. Despite my request, Experian failed to provide any documentation or proof of account verification, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o. 

Under the FCRA, I am entitled to clear and accurate information regarding the accounts on my credit report. Experian has neglected to provide the verification of the account in question and has failed to conduct a thorough investigation as required by the law. I have disputed this issue multiple times, and yet it remains unresolved, leaving me with a negative impact on my credit file. 

The lack of response and action from Experian has caused me financial harm, including potential denials of credit and increased interest rates. I believe that Experians failure to comply with the FCRA demonstrates negligence in maintaining an accurate credit report, and as such, I request that the disputed account be removed from my report as it can not be verified. 

I am seeking the removal of this account from my credit report as the only fair resolution, in compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX # XXXX XXXX5 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. section2 : 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 wich antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act, the following creditors have violated my rights : XXXX ( account ending XXXX ) {$23000.00} XXXX XXXX XXXX ( account ending XXXX ) {$640.00} XXXX XXXX XXXX ( account ending XXXX ) {$23000.00} 15.U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1682 section 604 section 2 states : a credit reporting agency can not furnish the account information without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
XXXXXXXX XXXX XXXX  : ACCOUNT NUMBER.XXXX, XXXXXXXX XXXX XXXX : ACCOUNT NUMBERXXXX, XXXXXXXX XXXX : ACCOUNT NUMBER. XXXX, XXXX XXXX BANKRUPTCY DISMISSED, 15 U.S.C 1681 SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681c. SECTION ( 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 ) ( 1 ) A PERSON SHILL NOT FURNIST 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: Mortgage

Amounts agreed to be paid were made timely, yet reported to all 3 major credit bureaus as missing payments, incorrect amount paid and several payments were maded late. Incessant amounts of phone calls and correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax involuntarily released my, and millions of others, private information. This could potentially have a severly negative impact on my financial well being in the future since I am no longer in control of any of it. This happened in early XXXX, 2017 but could linger for years looming over me and others knowing we have been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

Upon checking some personal credit I discovered this company called NCA on my profile furnishing deceptive and untrue claims. I have no agreements or contractual relations with this company and really upset for the company that help furnish this on my personal credit profile.
Product: Credit reporting or other personal consumer reports

I have requested that Experian update my mailing address three times in writing and have made five or six phone calls to get this updated. Today, my credit file still doesn't show my current address with them in all their systems ; it doesn't show an address at all in some of their systems. It would seem that my request went into a blackhole, even though I provided them with a bill and my current driver 's license on XXXX different occasions. I requested an update in XXXX and XXXX in writing with supporting documentation. I filed a complaint about this issue on this site on XX/XX/year> and XX/XX/year>, but the issue wasn't addressed properly on this site, they gave their computer-generated initial response but no follow-up.
Product: Checking or savings account

There are several concerns regarding my USAA accounts ( Checking and Savings, Auto Loan and Credit card accounts ) CONCERNS : GENDER BIAS actions of USAA representatives and Staff Members 1. UNAUTHORIZED CLOSURE OF ACCOUNTS with penalty ONLY directed towards XXXX XXXX for Tradeline activities. XXXX XXXX engaged in Tradeline activities and his signed XXXX with other signed blank forms to add authorized user for another creditor sent to XXXX XXXX on XX/XX/2018. Mr. XXXX has not responded to email communication regarding this matter. The inference from USAA representatives was that all accounts were closed. 
2. DENIED ACCESS to all my ACCOUNT DETAILS and on XX/XX/2018 I did request printed account details since inceptions but my email request to Mr. XXXX remain unanswered. Additionally, I requested address/contact address for subpoena since XX/XX/XXXX. However, since these are my accounts, NO SUBPEONA is required. I should not have to incur legal cost to get what I rightfully can have. I believe the denial of access was only done to affect my ability to obtain account information that would help in divorce court proceedings. I need all my accounts information printed and sent to me immediately. My husband did the same account closure of another joint account and that bank had no issues provided my information to me. 
3. UNAUTHORIZED DISCLOSURE of my changed physical address despite requests to NOT do so. ( Violates NO CONTACT ORDER per SOUTH CAROLINA FAMILY COURT entered on XX/XX/2018 and this court order sent to Mr. XXXX via email on XX/XX/2018 ). Mr. XXXX refused to enter any address information into the system for safety reason when I spoke to him on or about XX/XX/2018. On XX/XX/2018 I called USAA due to receiving more letters directly to my new address ( although I never authorize this ) and learned that the address is changed in USAAs system and could not be altered by the representative who attempted to change the data back to my old address. My mail is forwarded to my new address and I always received on line statements. USAA also sent mail to me XX/XX/2018 indicating that the United States Postal Service provided them my new address. For safety reasons the USPS does not provide forwarded information and I discussed this fact with representatives. They lied and I did file a complaint with the Postal Inspector. 
4. FAILURE to INFORM me on how/when Id receive AUTO LOAN and CREDIT CARD Payments after USAA account closures. I had to call USAA ( multiple timesXX/XX/XXXX-XX/XX/XXXX ) regarding this and still could not get information on how to make payments. Due to account access denial there is no ability to view details despite multiple placed call from XX/XX/XXXX-XX/XX/XXXX. One representative attempted to reset password but due to higher level decisions, this did not work. I received the first credit card payment to my mail box since viewing the information last XX/XX/2018 on XX/XX/2018.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Old XXXX XXXX XXXX, Tn XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Subject : Formal Dispute and Request for Account Removal Pursuant to 15 U.S.C. 1692c ( c ) Dear XXXX XXXX XXXX Representative, I am writing to formally dispute the information related to my account with XXXX XXXX XXXX as it is currently being reported inaccurately. The account details are as follows : Account Name : XXXX XXXX Account XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am asserting my rights and requesting the cessation of all reporting of this account on my credit report. 

The FDCPA mandates that upon receiving notice from a consumer to cease communication regarding a disputed debt, the reporting entity must comply with such a request unless the debt is validated or necessary legal notices are provided. I have reason to believe that the reported account is inaccurate or incomplete, and I am invoking my rights under this law to have this account reviewed, validated, and subsequently removed from my credit report. 

To assist in this process, I request the following : Validation of the debt, including proof that this account is accurate and enforceable. 
Removal of this account from my credit report if validation can not be provided or if it has been resolved in full. 
To expedite this resolution, I have attached the following documents for your reference : A copy of my identification ( drivers license or government-issued ID ). 
A copy of any correspondence or documentation related to this account ( if applicable ). 
I request that your office investigate this matter promptly and provide a response in writing within 30 days, as required by law. Should your office fail to validate the account or comply with this request, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

Thank you for your attention to this urgent matter. Please provide confirmation once the account has been removed from my credit report or validated to my satisfaction. Should you require additional information, I can be reached at XXXX or XXXX. 

Sincerely, XXXX XXXX
Product: Debt collection

National credit systems management collaborative of Alabama keep reporting a collection of XXXX to credit bureaus in the name of XXXX XXXX my name is XXXX XXXX XXXX and I've never rented apartment ..The apartment don't belong to me.. I been trying for 2 yrs to resolve this issue..im not sure who rented apartment using my information but it wasn't me.cant file theft of property.im not sure..i have a idea but I don't want to say because I could be wrong ...
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been many dispute letters sent to Equifax and two complaints filed with the CFPB. 

First dispute sent XX/XX/2020 and a letter sent each month through XX/XX/2020. Equifax has removed all accounts except for : XXXX   XXXX  ( UNVERIFIED ) XXXX/XXXX  XXXX  ( UNVERIFIED ) BANKRUPTCY ( UNVERIFIED ) I am not sure why Equifax has decided to ignore these 3 accounts. These are just as invalid as the 8 accounts they removed on XX/XX/2020.
Product: Payday loan, title loan, personal loan, or advance loan

Back in XX/XX/year>, we inquired with XXXX XXXX XXXX  company for our solar to be installed on our property at XXXX XXXX XXXX, XXXX XXXX We then contracted with XXXX  XXXX to have solar installed on XX/XX/XXXX through XXXX. We had one issue after another with this company from the start. I had to make several phone calls to have the issues resolved. XXXX XXXX failed to complete the installation/inspection. I tried numerous times over several weeks to have XXXX XXXX arrange to complete the installation/inspection with no success, then only to find out they went out of business and filed for Bankruptcy, with no warning to us. 

Due to the malicious actions of XXXX XXXX towards our XXXX XXXX, they failed to complete the installation and/or made no effort or arrangements to complete our installation/inspection. The bottom line is, XXXX XXXX, violated the agreement and breached our contract with us. This contract is now cancelled since they are no longer a company. 

I have attempted to work with the relations department at Goodleap for the last year and a half and still do not have an operational solar system. I have been paying on a loan almost two years now for a product that does not work. 

Pleas help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/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  Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : EQUIFAX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; EQUIFAX XXXX  XX/XX/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 EQUIFAX  MORTGAGE SOLUT 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
Product: Debt collection

Central finiacial control open  XXXX   XXXX ,  2016 . Showing that I owe a balance of {$96.00} on credit report which is not true. The debt was settle and it still shows I owe a balance. Settled debt for {$210.00}, confirmation number is  XXXX . Need account deleted from all  XXXX  credit reports
Product: Credit card

I signed up for a free month of XXXX XXXX XXXX on or about XX/XX/year>, using my Capital One account. Before the free month was up, on XX/XX/XXXX, I cancelled the service, by following the link in my invoice, and completing the process. 
XXXX XXXX charged me anyway, for the month of XXXX XXXX XXXX. I disputed this charge with Capital One on XX/XX/XXXX and was given a purchase adjustment. I also asked that XXXX XXXX not be allowed to charge my account for further XXXX service, as I was not able to contact XXXX XXXX directly. 
On XX/XX/XXXX, I was again charged for XXXX XXXX XXXX XXXX XXXX on my Capital One account, this time for XXXX XXXX XXXX I contacted Capital One and again disputed the charge and was given another purchase adjustment on my account on XX/XX/XXXX. 
Meanwhile, I was finally able to find contact information for XXXX XXXX customer service. Their representative on XX/XX/XXXX approved a refund for the XXXX XXXX XXXX charge and issued a refund to my Capital One account. 
On XX/XX/XXXX, Capital One rescinded the purchase adjustment for XXXX XXXX XXXX  as XXXX XXXX had issued a refund for that month. 
XXXX XX/XX/XXXX XXXX XXXX In disputed that I had cancelled in time, and Capital One issued a purchase adjustment to XXXX XXXX for the XXXX XXXX XXXX XXXX service. 
On XX/XX/XXXX I again contacted XXXX XXXX and was asked to provide information. I sent screen shots of my XXXX XXXX account showing that I did not have XXXX service on XX/XX/XXXX, the day after I cancelled, and some additional proof. On XX/XX/XXXX, XXXX XXXX replied that they tried to issue a refund, but received an error. 
On XX/XX/XXXX, I again contacted Capital One customer service. I was told that there was a merchant block on XXXX XXXX, and that it would be removed by XX/XX/XXXX. The same day I contacted XXXX XXXX to ask them to try again after XX/XX/XXXX. 
On XX/XX/XXXX, I asked XXXX XXXX customer service if they were able to process the refund as I did not see a refund on my Capital One card account. They were not able. 
XXXX XX/XX/XXXX I again contacted Capital One. This customer service representative told me that there was never a block on XXXX XXXX, and that a refund could not be processed on my Capital One account, " because there is [ something, a block, but she refused to use the word ] that can not be removed. In no known universe does this make any sense. 
If possible, I would like Capital One to allow a refund on my account. 
All contact with Capital One was done on the telephone. 
All contact with XXXX XXXX was done by e-mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX Credit Card with account # : XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX Credit Card with account # : XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX  XXXX Credit Card XXXX account # : XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX with account # : XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX  Credit Card with account # : XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX with account # : XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX  Credit Card with account # : XXXX opened on XX/XX/XXXX and a balance of {$0.00} Inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry from XXXX XXXX  on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 ) ( 1 ) 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case