23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Ulta Comenity Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it May Concern : I feel this credit card company is being extremely unethical in making it hard for consumers to make a payment on purpose. I just signed up for this credit card, this was my first experience with this company. I have excellent credit and pay my bills on time. However, after todays experience feel this company is on purpose making it difficult for consumers to pay bills. 

I went today to pay my bill of {$48.00}, eight days in advance. 

Tried to go to website as the bill instructed and couldnt register because it kept saying account not found. I called the 800 # and customer service told me it was because they didnt have an email address for me. Provided over the phone and logged into my email and registered as a new user. After going through that process still would not allow me to access my account or pay by XXXX XXXX. After calling a second time found out there is a 10-day lag between when you create an account and when you can login. He suggested XXXX XXXX which also, I tried and wasnt allowing me to make a payment. ( see below screen shots ) So, knowing that online was now not an option, inquired about a payment over the phone and they informed me it is a {$9.00} fee to pay over the phone. I advised this was a gross overcharge as I was not needing to be paid today- I have plenty of time before the due date, they advised as a courtesy they can waive the fee. 

I tell them, I dont want it waived -- - I will pay by check. They then tell me that it may not make it there in time. Their company is backlogged in posting payments. I informed them if it is posted marked by the due date it should be fine as I live in XXXX  and will be posted dated before the due date as the state is XXXX. 

I closed my account today and paid by phone. However, I feel this company is imposing fees at the mercy of the accountholders. If your website isnt able to take payments after creating an account -your website needs to say that, and you should be taking payments free of charge. If your posting payment department is behind on posting payments within a reasonable time free that is no fault of the consumer and the consumer should not be charge a {$9.00} fee and should not be spined like the credit card company is doing the consumer a favor. 

Please feel free to contact me with any further questions. 
Disguised with credit card companies antics, XXXX XXXX XXXX ( not included are the screenshots of the login saying not able to find account, I have this but no option here to attach. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to submit a complaint about my personal credit report information that is questionable. I was never late on these accounts. It has been deferred because I'm still in school. Also, how can it be 90 days late without first posting 30 or 60 days late? major error. Please verify all info is true, accurate, and correct incomplete name spelling, address of record, etc. 
DEPT OF EDXXXX XXXX Balance : {$3100.00} DEPT OF ED/XXXX  XXXX Balance : {$1600.00}
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Bank of America Attention : Customer Service or Dispute Department Bank of America XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX Subject : Request for Account Information Greetings, I am writing in reference to my Bank of America accounts currently on file with your company. 
XXXX. BANK OF AMERICA # XXXX XXXX. BANK OF AMERICA # XXXX Please note that I am not disputing the account at this time, but I am requesting the following specific information regarding each account : 1. Date of First Delinquency 2. Date of Last Payment 3. Date of Charge-Off I would appreciate your prompt attention to this request and look forward to receiving the requested information. Please feel free to contact me should you require any further details to fulfill this request. 
Thank you for your time and assistance. 

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

On XX/XX/XXXX I received a bill for XXXX. On XX/XX/XXXX I sent a letter via certified mail that requested this debt be validated along with a cease and desist of all communication. Along with a invoice for violations of 15 USC 1692b ( 5 ), 15 USC 1692 f ( 8 ) and 15 USC 1692 dXXXX On XX/XX/XXXX I received another phone call from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX GM Financial created an unauthorized credit entry on my credit reports. After noticing the inquiry, I sent them a certified letter on XXXX XX/XX/XXXX requesting they remove this unauthorized inquiry. The company did not provide me with a document that I singed stating I gave them authorization to run my credit. They sent me a letter on XXXX XX/XX/XXXX stating another company gave them authorization and still did not provide me with a document bearing my signature or authorization. I sent GM another certified letter to give them another chance to have the inquiry removed on XXXX XX/XX/XXXX. I have not heard from them since. Todays date is XXXX XX/XX/XXXX. I plan to send my next complaint to the Attorney Generals office.
Product: Credit reporting or other personal consumer reports

I am writing to formally contest and dispute the inaccurate reporting of the accounts on my credit report. Upon contacting the relevant companies, it was confirmed that an error had indeed occurred. Additionally, assurances were given over the phone that the accounts would be promptly updated. Your bureau is legally obliged to conduct a thorough and timely investigation of disputes, including a review of all pertinent information submitted by the consumer, in this case, myself. Both XXXX and XXXX have already rectified the inaccuracy of these accounts on my report. Therefore, I kindly request that you take immediate action to update these erroneous accounts 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: Checking or savings account

to whom it may concern, I had an issue with multiple unauthorized charges on my account, I called on XX/XX/XXXX to report the transactions immediately after I found them, I was informed that my dispute was denied and the case is closed, right after that I asked what can I do to ensure I get my funds back I was told to provide itineraries, photos etc anything to support the fact that I was out of the country at that time with I did, they asked to allow up to XXXX business days for the evidence to be reviewed, today XX/XX/XXXX I called to follow up and to my surprise they still denied the claim and refused to do anything about it stating that I have logged into my account multiple times which I did but didn't pay attention to my balance and that they can not recover the funds and for that reason the claim is closed, they advised me to contact the merchant which is XXXX, after speaking to them they said since the transactions already been paid there is nothing I can do but they made sue to disable my information in their system to ensure it doesn't happen again. the transactions were dated between XX/XX/XXXX and XX/XX/XXXX totaling exactly {$7500.00}. At this point this is my last resort to hopefully getting this resolved and getting my funds back as it is a significant amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are soft and hard inquires pull from accounts I never open. The only account that was open in my name was XXXX XXXX which was XXXX XXXX. The dates of the the open accounts that not me was XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The people who is performing fraud on my account has made my credit score low and I want to take action now. I want to report all these companies as fraud because it is not me. Below I attach the names of the company with dates and descriptions.
Product: Credit reporting 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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Advised to file by CFPB agent. 

No letter from CPC was sent showing its XXXX response on this site of a Cease and Desist with no further action and removal from reports. However, a letter dated XXXX responding to my objection of the debt was received. 

In its " proof '' of the debt, the previous claim adjustment from a insurance company was sent, but no documentation matching the original creditor or the original account number as cited in the letter. I have contacted the alleged creditor who has no knowledge or contract with this company. 

I am also have intimate association with one of the entities in the documentation proof and it appears that what XXXX has provided has been doctored. Payments are not made to this entity, payment detail does not reflect their methodology, payment detail information or coding information would not be sent to a third party, and there is ink transfer from another document. 

OverallXXXX XXXX has failed to provide evidence of this alleged debt, and further has failed to attempt to collected within law. 

CPC 's last response was that of a Cease and Desist and the CFPB agent has noted that correspondence stands.
Product: Credit reporting or other personal consumer reports

XXXX Account No. : XXXX writing to formally dispute the charge-off and deficiency balance on my account, [ XXXX XXXX ] XXXX related to the repossession and sale of my vehicle, [ vehicle make, model, and year ]. I have reviewed the sale process, and I believe that my rights as a consumer were violated due to the unfairly low selling price of the vehicle, which does not reflect its true market value. 

Upon investigation, I have found that the vehicle was sold for significantly less than its fair market value. This has resulted in an unjustifiably high deficiency balance, which I am now being held responsible for. I believe this may constitute a violation of several laws, including but not limited to : XXXX. Uniform Commercial Code ( XXXX ) XXXX This law requires that a secured party dispose of collateral in a " commercially reasonable '' manner. If the sale price was significantly below fair market value, it may not have been commercially reasonable. 


XXXX. Fair Debt Collection Practices Act ( FDCPA ) ( XXXX XXXX. XXXX et seq. ) If a debt collector is attempting to collect an inflated deficiency balance that resulted from an unreasonable sale price, they may be engaging in unfair or deceptive practices. 


XXXX. State Repossession Laws Many states have specific laws requiring creditors to conduct repossessions and sales in a manner that maximizes the vehicles value. If these laws were not followed, the deficiency balance could be invalid. 


XXXX. Truth in Lending Act ( TILA ) ( XXXX XXXX. XXXX et seq. ) If the lender failed to properly disclose the terms of the repossession, sale, or deficiency balance, they may have violated federal regulations. 
I formally request the following : XXXX. Documentation proving that the sale of the vehicle was conducted in a commercially reasonable manner, including records of bids received, sale advertisements, and the sale price. 


XXXX. A detailed breakdown of how the deficiency balance was calculated. 

XXXX. A review of the charge-off and deficiency balance based on the unfair sale price. 

If this matter is not resolved promptly, I am prepared to escalate my complaint to regulatory agencies such as the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. I would appreciate your prompt attention to this matter and expect a response within XXXX  days of receipt of this letter. 

Please send all correspondence to me in writing at the address listed above. 

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

Im trying to clean up my credit from identity, theft, and inaccuracies and illegal use of my credit report, name. and other issues. Now I have to worry about a data breach from XXXX! What is going on! I need my credit report finished as soon as possible with all the inaccuracies removed and late payments updated to paid in full never late. Hard and soft inquiries removed off my credit report because I didnt do them. The only address should be there is the address that I provided. The only phone number should be there is the phone number I provided. You guys are violating my rights. You guys are destroying my life! There should be no open accounts on my credit report. Remove them please.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file XXXX XXXX XXXXXXXX Balance : {$5800.00}
Product: Debt collection

I received a statement in XXXX about an overdrawn account at XXXX XXXX. I never heard of the bank prior to this. I called them and they stated it was opened online. I made them aware I sis not open it and they told me they don't have a fraud department and that I would have to write them stating it wasn't me. I sent the email XX/XX/22 stating that it was fraudulently opened with my maiden name. I kept getting statements and then a collection company called and I informed them as well. I called the credit bureaus to see if it was on my credit and explained everything so if it does I can start the dispute. I got a notice a few weeks ago that it hit my credit report. I started the disputes and XXXX shows it as valid. I did not create this account. I want this off of my report please. How is it possible to open an account online without having to upload an ID or show any proof of identity? I'm working in my credit and this will set me back. Please help.
Product: Bank account or service

I 've been working with Barclays Credit Cards regarding Identity fraud that I have been a victim of. I have supplied them with information from the Federal Government, Federal Trade Commission, Consumer Financial Protection Bureau, United States Department of Justice, as well as my local police report. All parties agree that I was the victim of aggravated identity fraud and I was told by a fraud supervisor named XXXX after a multi-month investigation that I 'd be receiving a check in the mail regarding my credit balance. Several days later, a fraud investigator called asking more questions, this investigator named XXXX spoke with me and said he 'd issue refunds after he verified the police report. When I checked my account this morning, I was stuck with the bill for every single charge. This needs be addressed as I 'm now pursuing legal advice to move forward with a lawsuit if this is n't corrected ASAP.
Product: Checking or savings account

i opened a account at first bank XXXX weeks ago, they used chexstystems said i was ok to open a account, was told I didn't need to deposit any funds, and they also stated it was ok to withdraw the funds if i needed them, i still i deposited XXXX dollars, then after waiting for XXXX weeks to receive a bank card, finally received it on XX/XX/year> then i try to activate the card they tell me the account was closed then i try to find out from my branch why the account was closed no one tells me, then they sent me an email stating based on the activity on the account they decided i am not the best fit yet i had not activity on the account, they they state that money was withdrawn from the account which i didn't withdraw anything instead what they done was XXXX profile me and closed my account because i am XXXX American ... that's why my account was closed
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

po box XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have reached out to all 3 credit bureaus 10 times each so that they can investigate the 100 % accuracy of the reporting of the account in question ( XXXX XXXX XXXXXXXX XXXX XXXX ) ... .each time it comes back verified ... ..How can they say that this is verified if the reporting doesn't even match all the way across all 3 bureaus as is required by law? They are not in compliance ... .they are not investigating the reporting ... .i have attached a copy of the 3 bureau report so that you can see the discrepancies in the reporting XXXX is reporting a balance of {$13000.00}, XXXX is reporting {$13000.00}, and equifax {$13000.00} XXXX is reporting a past due of {$13000.00} XXXX is reporting {$13000.00}, and equifax {$13000.00} XXXX is reporting a high credit of {$9800.00} XXXX is reporting {$9800.00}, and equifax {$7000.00} Also take a look at the inconsistant reporting in the 2 year payment history and thats just to name a few violations ...... 

This was a " charged off '' account that was sold to a collection agency and is still reporting a balance that is a violation This was a " charged off '' account that was sold to a collection agency and is still reporting a past due that is a violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing this account as fraudulent 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( 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
Product: Checking or savings account

3 months ago sofi said they were investigating my account so they froze it. In the past 3 months nothing has been done and all.they said 1 month ago was that it was going to be closed. They refuse to give me access to my money. It's been 3 months and not one explanation or access to my money. They are committing fraud and trying to keep my money. They are rude and no help when I call. I explain it's been 3 months and nothing has been done.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed someone put me as an authorized user on an account I had no knowledge of. Please remove this account from my report.
Product: Debt collection

There are quite a bit of accounts they have on my credit which do not match with the ones they sent me in the mail. At the time of the ones that are in my credit I was fully covered by XXXX and I have proof of that. 
XX/XX/XXXX {$540.00} XX/XX/XXXX {$920.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$580.00} The documents that Americollect sent me in the mail do not match these dates nor amounts the ones on the paper are XX/XX/XXXX {$580.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$16000.00} ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$16000.00} ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XXXX Bankruptcy Discharged XXXX ; XXXX XXXX Balance : {$0.00} XXXX OF XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$16000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy Discharged XXXX ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Complaint Details : I am writing to formally request the removal of unauthorized credit inquiries from my credit report. My personal information was compromised in a data breach, and as a result, I have noticed several credit inquiries on my report that I did not authorize. 

The unauthorized inquiries are negatively affecting my credit score and were conducted without my consent. I have taken the necessary steps to secure my identity, including placing fraud alerts and freezing my credit reports. However, I am still experiencing the consequences of this breach. 

Despite my efforts, the inquiries remain on my report. Under the Fair Credit Reporting Act ( FCRA ), credit inquiries must have my explicit consent, which was not given in this case. I am requesting that the CFPB investigate this matter and direct the credit bureaus to remove these unauthorized inquiries from my report. 

I appreciate your time and assistance in resolving this matter. Please confirm receipt of this complaint and provide any updates regarding the investigation. 

Sincerely, XXXX XXXX