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

I bought diamond earings from XXXX XXXX. They refered me to a third party bank for a credit card. The bank is Comenity Capital Bank. I was told by the bank that my credit card was mailed as well as statements. I have recieved none via mail. I want to pay the balance but the bank will not give me my Credit Card Account number. so I can register to pay online. I have not receieved any statements. The bank is saying to give them my bank account checking route number to pay the balance. I have no way of protecting myself of fraud if I send them the money. Can you help me. All I want to do is pay the balance and close this account. This bank is a fraud. I read many complaints on XXXX regarding the same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have done several disputes with several credit card companies trying to get them to send me info showing that the accounts are mine. 
They sent the account to a collection agency XXXX XXXX. I paid the balance due bc I needed my credit fix with XXXX XXXX. I told XXXX XXXX that even though these accounts are not mine I am willing to pay so I can better my credit. I paid the express store card from XXXX XXXX  and the XXXX XXXX XXXX card from XXXX XXXX. I keep disputing with XXXX XXXX XXXX XXXX and XXXX XXXX from XXXX XXXX  and they dont respond or send anything validating the accounts are mine at all. I been disputing this with these companies for a long time now. If they cant produce paperwork indicating these are my accounts then they need to remove these accounts from my credit report.
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 account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : KOHLS/CAPONE XXXXXXXX XXXX : {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX  & Experian -- -- - XXXX XXXX XXXX XXXX repeatedly labels all and every request and complaint with Consumer Financial Protection Bureau as duplicate even though they have yet to reply and answer any request or explain themselves. XXXX  XXXX is mocking our government. They are either understaffed or having money problems. I will not stop until I receive an explanation or a valid permissible permission subsequent to the fraudulent loan # XXXX together with copy of the credit report that was pulled. Failure to comply with obligations under the FCRA is a negligent violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY HAS STILL FAILED TO PROVIDE PROOF OF ACCOUNT OWNERSHIP WE ARE FILLING A LAWSUIT AGAINST THEM FOR FAILING TO REMOVE THIS ACCOUNT. 



XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms Date OpenedXX/XX/XXXXAccount Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$950.00} Comments -
Product: Mortgage

I recently completed a refinance with Wells Fargo. I regret this decision greatly, but so deep into the process I was afraid to back out and start over with a new company. I was not sure of the ramifications it may do to my credit. The entire process took over 3 months to complete. XXXX Normal mortgage processing time is XXXX days XXXX. In the meantime I was mis-communicated to or under communicated to. ( At XXXX point I went a month with no response on the status. ) I was lied to from the beginning with promises that were not granted at the end. Now, they will not respond to me at all. Papers are signed, they got paid so now they do not care. The level of customer service I received was horrid to say the least. Now that I have been discussing this on social media I am horrified by the number of responses I have received telling of thier poor experience with Wells Fargo. I want consumers to be aware that this company does not have your best interest at heart. Of course banking institutions as any business must make money but Wells Fargo crosses the line. They are not there to help, will not answer questions and seem to be poorly trained. At XXXX point I had to seek out a manager and she was just as bad. No follow up, no apology, no explanation. 
They charged much larger fees than other mortgage companies would have as well. 
I have reached out for help within the company and not XXXX person will respond to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to follow up on my previous complaint regarding the inaccurate reporting of information by XXXX XXXX ( account number XXXX ), XXXX XXXX XXXXXXXX ( account number XXXX ), and XXXX XXXX XXXX ( account number XXXX ) to the credit bureaus. 

Despite my efforts to rectify this issue, I have not received any response or resolution from these companies. As such, I am now informing you that if a resolution is not reached within the next 30 days, I will seek legal counsel to pursue compensation for each account in accordance with the Fair Credit Reporting Act ( FCRA ). 

Additionally, I request that all closed accounts associated with these companies be removed from my credit report as soon as possible. 

I understand that the FCRA provides for damages of up to {$1000.00} per violation, and I will not hesitate to take legal action to pursue these damages if necessary. I believe that it is only fair that I receive compensation for the harm caused by the inaccurate reporting of information, which has negatively impacted my credit score and my ability to obtain credit on reasonable terms. 

Thank you for your attention to this matter. I look forward to your response and a swift resolution to this issue.
Product: Credit card

Applied for TD Bank Visa credit card on XX/XX/XXXX and got denied due to " Delinquent past or present credit obligations with TD Bank ''. My current credit score is XXXX with no missed payments. 

I had a TD Visa account in XXXX, closed in XXXX when I paid off the account. 

I dont understand why I got denied for a credit card considering I have very good credit score, and only two credit cards ( XXXX ).

Please help me receive a fair application review/appeal because this is not right. Thank you CFPB.
Product: Credit reporting or other personal consumer reports

I requested a dispute from Experian concerning items on my report one from XXXX XXXX  and the other XXXX. They responded back I less than a week stating it was accurate. I asked for the original owner of the collection because I had no knowledge of who they were and I did not receive it. Now I have people contacting and threatening me for a debt Im unaware of. Not to mention Im trying to purchase a home
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an FTC report to XXXX also attached documents, XXXX never responded. I also attached factual errors and they are still reporting the fraudulent accounts on my consumer reports.
Product: Debt collection

Dear G. L. A. COLLECTION COMPANY , INC., I am writing to formally dispute the validity of the debt that you allege I owe. Please take this letter as my notice of dispute pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Lack of Contractual Evidence I have no knowledge of any valid or enforceable contract between myself and G. L. A. COLLECTION COMPANY , INC. I request that you provide me with a signed contract or any agreement that establishes a legal obligation binding me to this alleged debt. Without such evidence, I am not liable for the alleged debt. I expect you to provide documentation of a valid, signed contract between myself and G. L. A. COLLECTION COMPANY , INC. that evidences my agreement to pay the alleged debt in question. 

2. Request for Debt Validation Pursuant to the FDCPA and FCRA, I request that you validate this alleged debt by providing a full detailed accounting of the account. This validation should include, but is not limited to, the following : - The name of the original creditor, - The principal balance of the alleged debt, - Documentation of any insurance, securities, tax benefits, complete terms of the agreement ( with my signature ), any transaction signed receipts, a detailed itemized statement or other relevant financial transactions related to the account ; I request this detailed accounting to ensure the accuracy of the amount you claim I owe. Failure to provide accurate documentation could result in a violation of both the FDCPA and FCRA if it is found that G. L. A. COLLECTION COMPANY , INC. has made false or inaccurate claims regarding this debt.

3. Request for Purchase Agreement I respectfully request that G. L. A. COLLECTION COMPANY , INC. to provide the purchase agreement and not a bill of sale. The purchase agreement contains the specific terms and obligations of the original debt and is the only document that can accurately validate the alleged debt. Without this document, G. L. A. COLLECTION COMPANY , INC. has failed to meet its burden under the FDCPA, and the debt is unverifiable and unenforceable. 

The purchase agreement is the most accurate document to meet these requirements because it contains the original terms under which the debt was incurred. Without this contract, it is impossible to confirm whether the debt is valid, whether any payments or credits should have been applied, or whether the amount claimed is accurate. 

Without providing this key document, G. L. A. COLLECTION COMPANY, INC. can not verify the specific terms under which the debt was created, leaving me at a significant disadvantage. If G. L. A. COLLECTION COMPANY, INC. merely provided a bill of sale or account summary it does not satisfy the requirement for proper validation under the FDCPA. G. L. A. COLLECTION COMPANY , INC. must present the purchase agreement, which is the primary document proving the formation and terms of the original debt.
Product: Checking or savings account

For the past few years I have utilized an online savings/investment app called XXXX. I linked my PNC debit card to XXXX  and every purchase I made was rounded up to the nearest dollar and invested for me. This was a very convenient, painless way for me to save quickly. I was very disappointed to learn that PNC has " increased security '' and that savings platforms, such as XXXX and XXXX no longer work. How is it ok for PNC to decide where I can or can not invest my money?? Fix this or I'll take my business elsewhere.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2013, XXXX 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continues to report to my file. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, genera reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They did not do this. 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the last reported date is inaccurate. This is grounds for removal. 

They also violated the law because according to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be information on my consumer report that is result of identity theft. I have tried to have this persons name removed my consumer report. 

This the second request to have this name removed. 
I don't know who this person is. 
This name belongs to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

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 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

I filed complaint number XXXX. However Huntington has done the same thing in XXXX, they sent me errant statements reprinted which were wrong then started the month off with a {$160.00} false overdraw which became {$490.00} in a week without any purchase. Also when a automatic deposit was credited to my account on XXXX XXXX. 2016 I checked account balance and they had purchases made on XXXX XXXX listed as XXXX XXXX, 2016 with {$300.00} missing from account balance along with purchases i had n't made. Someone inside bank is messing with account and seems they want me to know it.
Product: Debt collection

I previously settled this account with XXXX XXXX XXXX. However they are still reporting this account to the credit bureau XXXX XXXX. Upon paying this account they did remove from XXXX   but is still showing on XXXX XXXX credit bureau. they are hijacking my credit. they remove this account from other credit bureaus and I am requesting that this account be removed from XXXX XXXX and any other credit reporting agencies.
Product: Credit card

Synchrony Amazon Store CarXXXX received my payment of account balance in full on XX/XX/XXXX. They cashed the check and took the money. On XX/XX/XXXX they tell me I have XXXX XXXX  on the account because they have not credited the payment to my account despite having had the check since XX/XX/XXXX.
Product: Debt collection

XX/XX/2013, {$120.00}, I was XXXX in Kansas. XXXX didn't create this bill
Product: Credit card or prepaid card

I opened this new line of credit with Comenity Bank to purchase some furniture with XXXX XXXX. My first payment started on and was due XX/XX/2019. I sent payment out on XX/XX/2019. This payment was processed on XX/XX/2019. I was charged a penalty and late fee. I called company and was told there was nothing they could do. Next payment was due on XX/XX/2019 I sent payment earlier on XX/XX/2019. Bank shows payment was received on XX/XX/2019, payment wasn't processed until XX/XX/2019. I was charged more penalties and late fees. Called company and was told nothing they could do I would just have to pay. Next payment was due on XX/XX/2019 I sent a payment that was returned on XX/XX/2019 without explanation. sent another payment on XX/XX/2019 bank shows delivered on the XXXX company again processed on XX/XX/2019 charged again penalties and late fees. Called to speak with a supervisor and was told either pay or be sent to collections and she was not going to do anything about it and if I didn't like it then maybe I should be more responsible about paying my bills on time.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I noticed a fraudulent account was added to my credit report. I created an identity theft complaint with the FTC to have the account removed from my credit file. Upon further review I also noticed several inquiries on my credit report that I do not recognize or give permission to view my credit. Please delete these inquiries from my credit file in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Failure to do so will force me to report your company to the Attorney General and seek civil penalties for not complying with the law. 

Also delete all addresses with the exception of XXXX XXXX XXXXXXXX XXXX  XXXX XXXX GA XXXX and all variations of my name with the exception of XXXX XXXX XXXX XXXX Any incorrect addresses or names could have been used to establish fraudulent credit or used in an unauthorized attempt to establish fraudulent credit in my name. 


XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

Transworld Systems is reporting that I have a debt with them from XXXX. This account is not in my name. The account is in the name of XXXX. I have disputed this account, but they continue to report it on my credit report.
Product: Student loan

I have submitted a dispute on student loan in XXXX  with XXXX for the late payments in XXXX and XXXX. They removed the XXXX one because I told them I was struggling to pay it off as being a resident during the covid time. Now I'm settled as a XXXX, I can pay the loans. 

They had removed the one in XXXX but not the one in XXXX. I tried calling the XXXX  mohela and 3 times they told they'll call back with issue. Three times they told the supervise will all me back but they haven't reached back to me.
Product: Prepaid card

My edd prepaid debit card XXXX is said to be cancelled/ frozen by my sponsor Edd . This is not true and furthered my complaint by calling Bank of America Edd Prepaid card - Liars! They said they have no power over permanent closers. So,. Hears what I would like to happen .... Please re-open my debit card ending in XXXX and give me all of my money back, yes, it's only fair. Considering, the Bank continuously verifies me, sends codes, gives me the wrong balances, goes past cla maturity dates, etc, etc. Someone was tampering in my account from the very beginning- I filed a major complaint against this. Someone in another State had my same account number. The issue was never fully addressed! My account appeared to be cloned. My ex-employer got finger for tax evasion and was ordered to pay 3 retroactive back pay and damages.The money in the account XXXX came from because someone else in, XXXX, Florida was 1 using my benefits. My identity had by an administrative law judge. Still s series of issues continue to come up regarding mishandling.,. Mainly on behalf of Bank of America. There was a major complaint against XXXX XXXX XXXX XXXX, CA XXXX. There are still funds that exist unpaid. When asked to submit supporting documents by fax .... My transmitters would never go through. All terminals here locally were blocked,!! I had no debit card to activate any movement on the sccount conventionally. The be it cards ordered went to the, Florida address, until the clutch was taken seriously by Bank of America. By then major damage to my account XXXX was done. Also, with Pandemic amounts ad well... I purchased a vehicle and the dealership billed the entire amount electronically through there terminal, then the amount of the actual purchase was billed, {$1100.00} plus an additional $ {$2000.00}, please note - the {$2000.00} was never returned to me as the vehicle was returned back to the dealership for Respectfully, XXXX XXXX XXXX XXXX
Product: Mortgage

This HELOC had an ending date of XXXX XXXX. We have not been allowed to use any of our equity for years even though our ceiling was much higher and our home did not lose any value, we were just allowed to make payments. In XXXX of XXXX, we refinanced our first mortgage and HELOC together with XXXX mortgage and this loan was paid in full. Today, XXXX I received a document from them that says congrats your loan is paid in full as of XXXX and that they will review our payment, escrow, etc for 20 days and then send the lien release document to the courthouse. This is unacceptable as it is several months ( almost a year ) after we were truly paid in full which we have documentation in XXXX from them that said we were paid in full. I feel as if they have majorly violated the law by not doing this already. My phone call to their customer service # only got me an agent who could not explain why this was not done already and did not offer me an expedition choice. I had to ask for them to expedite the lien release since this had taken an egregious amount of time already. I feel there is a negligence of duty by this company and I want to know what my legal rights are since none were explained to me by OCWEN
Product: Payday loan, title loan, or personal loan

. I have two loans with Conns XXXX XXXX. From XXXX of XXXX until XXXX of XXXX. Conns withdrew 3 payments from my accounts each month for the two loans. When i confronted them about it in XXXX ofXXXX I was told it would be corrected. 
From XXXX of XXXX until today ( XX/XX/XXXX ) they have refused to provide me with the requested records that show an adjustment has been made. I have spoken with their agents on 9 occasions and I have mailed them a certified letter requesting the information. The Balances on the Loans show no adjustment. I can't understand why they refuse to provide me the customer with my account information.
Product: Bank account or service

Bank of America did not honor its Terms and Agreements set forth in their terms and agreements. Held funds and deposits, then close my Account and keep my {$500.00}. Close my account without any electronic confirmation.
Product: Credit card

I was with Chime banking for several years. I have tried disputing an account transaction with them from XXXX. 

In the ammounts of {$200.00} and {$1000.00} Intially a few months back I just said forget it. They kept closing the dispute dispite me adding proof. 

They asked me several questions that XXXX would not provide. 

XXXX closed my account. " services not rendered '' Chime has never received any type of refund to my account. 

Chime continually denies my dispute. They claim they are doing an investigation, but several times they came back with a descision with 20 minutes, 30 minutes an hour. 

That is not an investigation. 

I am uploading documents showing XXXX agreed to reimburseme me. " However '' XXXX does not send out personal details as far as the number. This can be seen in my screenshots in there terms and conditions. 

Chime needs to provide me with temporary relief as well as do a full investigation..