23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is likely my final complaint regarding this topic. Comentity / Zales is continuing to charge me late fees and interest, and falsely reporting me to the credit bureaus over a disputed account. They now have me at {$830.00}. 

Just to recap my previous complaints : ** Between XXXX of XXXX and around XXXX of XXXX, my bill has been getting mailed to the wrong address ( they had finally fixed the issue on their end, and waived **those** late fees ) ** Around XXXX, I've paid one of my bills via mailing my check ( which never arrived nor got cashed at their destination ) ( which I unfairly got charged more late fees, and both Comenity and Zales refused to budge on ) ** Between XXXX and XXXX of XXXX, my bill were consistently being mailed late, or barely arriving at my house right before the due date ** I made all my remaining payments over the phone, which took on average of 4 days to process from my call time to being drafted from my account ** After complaint to both Zales 's and Comenity 's customer service multiple times about their unfair late fees, they pointed to the late fees that they have already forgiven for the period between XXXX and XXXX, and reluctantly took an additional one off. 

** I have filed additional complaints with multiple state and federal agencies, as well as Zales 's and Comenity 's customer service, and they both refused to budge. 

** My principle balance was paid in XXXX by XXXX of XXXX. The only thing left was whatever bogus late fees that I was disputing ** When XXXX of XXXX rolled around, Comentity started harassing me with their collection people, accusing me of owing them over {$500.00}. ( I told them to stop calling me, and they only stopped after I filed an FTC complaint ) ** Comenity has ever since been pilling on additional late fees and interest, refusing to honor their deferred interest ( either out of retaliation for my complaints, a quick way to make a buck, or both ) ** Comenity and Zales are now ruining my credit, even after I have disputed my account they are still reporting me as late
Product: Debt collection

I received a letter for writ for garnishment. I 'm not even sure what the debt is.I have a phone with limited mins.and no other form of reaching these people.. I live on very limited means, and there asking for 25 % of my   XXXX   XXXX  ,   XXXX   XXXX   check.. I simply ca n't live with that.. I need help!!
Product: Credit reporting or other personal consumer reports

When I examined my credit report, I discovered that some of the information was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to authenticate this account. ( A ). It is not permissible to dismiss this reporting account as unconfirmed information without providing proof within the legal timeframe. 
XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.
"
Product: Mortgage

XXXX XXXX, never gave us time to submit packet for modification, and short sale consideration and foreclosed on our home on XX/XX/2022. Please advise what options we have at this time...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted both written and online disputes to have eqifax remove invalid information from my report. Including things like my name, Address & A host of inquiries that I simply didn't authorize. I have A fraud alert of all of my reports because there has been information listed in my report that simply was not mine. Below are A list of hard inquiries that I DID NOT authorize nor agree to have these companies pull my credit. I am requested they all be removed immediately as it is A violation of FCRA to report inaccurate information on someones report. I would like ALL of these specific hard inquiries removed. I have provided specific dates that they show to be pulled. 

XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX  XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/2019 ) XXXX ( XX/XX/2019 ) XXXX ( XX/XX/XXXX ) Addionally they have A host of name & Addresses listed that are not mine and has NEVER belonged to me. My Current name Is XXXX XXXX XXXX my former name before marriage was XXXX XXXX XXXX All other names should be completely removed from my credit report. Addionally, They have A host of addresses I have disputed over and over because they don't belong to me and never have.They have refused to remove these inaccurate addresses! My address on my report should be XXXX XXXX XXXX XXXX tx XXXX. I have been at this address for over 15 years and have been at NO OTHER ADDRESS On my credit report! Many of those address I have NEVER had any connection with and can be listed as fraud and any account connected to the addresses should also be disputed as fraud. I should only have ONE address connected to my report and thats the address mentioned above. I should also only show ONE name on my report which again is mentioned above. Again ALL inquiries listed above ARE NOT MINE. Please make these corrects immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered unauthorized inquiries listed, which have negatively impacted my ability to apply for new credit. I request that the following inquiries be removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

I recently checked my credit report and I have discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a contractual agreement with this company and neither have they provided me services nor goods
Product: Mortgage

I opened a mortgage account with CHASE back in XX/XX/XXXX that account was closed and paid in full XXXX XX/XX/XXXX, in XX/XX/XXXX I applied for a credit card and the application came back rejected, the reason because all XXXX credit reports showed on the status of the account collection charges. I did not pursue the credit card any longer and forgot about my credit report ( because my attorney had written to CHASE and the reply from them was that everything was ok with the credit report institutions. XXXX years later about XXXX month ago I was house hunting, I found the house and the financial Institution that was going to give me the loan said that XXXX of the XXXX reports were showing a account balance of XXXXXXXXusd ( XXXX , XXXX ) and all XXXX showed amount past due XXXX with the account closed XXXX/XXXX/XXXX and their last report had been XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX This should have been fixed the minute the account was closed but XXXX years later the XXXX of the XXXX Credit Reporting Institutions show that red flag making lose the opportunity of acquiring a house at a good price, hope you can help straighten this mess out as quick as possible, thanking you in advance for your attention to this matter.
Product: Credit card or prepaid card

On XX/XX/XXXX, I disputed {$240.00} illegally charged without my consent for title and tags on a used vehicle I purchased. On XX/XX/XXXX, Discover rejected my dispute based solely on a signed receipt from the dealership. Accordingly, I faxed a more detailed letter with affirmed facts demonstrating clear and convincing fraud in the inducement as well as fraud in the factum. Discover refused to consider this additional information. Moreover, I have the right to an appeal to the dispute panel under the terms of my credit card but Discover is illegally stonewalling my attempt to continue the dispute.
Product: Credit reporting or other personal consumer reports

XXXX {$230.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
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. 
XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX  XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021, XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2021, XXXX XXXX XX/XX/2021, has violated my rights. 

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 card or prepaid card

AMEX YOU ARE BREAKING THE LAW!!! 

I have reason to believe and do so believe that this company is blatantly DISCRIMINATING against me. I have applied for multiple cards on multiple occasions and this bank holding company continuously deny me my right to credit. Per the equal credit opportunity act 15 usc 1691 it is unlawful for any one to discriminate because I have in good faith exercised my right under that section. I am a very frustrated consumer because this company has made it hard for me to extend credit to others. I dont care to continue to use cards from multiple institutions, I rather have all my cards from one bank for the sake of simplicity. Your constant denials is causing me to continue to lose confidence in the banking system and is making me not want to extend credit to any banks and making me not want to continue to allow any banks to profit off of my securities. It is essential that I receive the cards to continue to help money move around. It is unfair that i am being denied when bank literally are dependent on me as a consumer to keep money and credits flowing. Im demanding the cards be issued to me. Im fully aware that pursuant to 15 usc 1681m being denied is considered an ADVERSE ACTION against me per federal law you all can be held civilly liable for doing such and not following the laws. I am in fact an administrator per federal law 15 usc 1692c ( d ) and im aware I have and open end consumer credit plan. So as a consumer and customer i am demanding these cards.
Product: Credit reporting or other personal consumer reports

Filed dispute secondary to identify theft/someone elses mixed accounts with my account by Transunion. Trans Union failed to investigate. Filed FTC report on accounts : XXXX. XXXX  reporting XXXX accounts Since they have a completely different name and Social Security number XXXX. XXXX XXXX XXXX XXXX XXXX they have a completely different name and Social Security number XXXX. XXXX XXXX XXXXXXXX. States they have a completely different name and Social Security number These are fraudulent accounts and Not only did Trans Union fail to investigate but they allowed these to be illegally reported and remain on my credit bureau even after Error and Identity Theft had been established by them.
Product: Credit card

My credit card was charged the following amounts on the following dates from XXXX XXXX XXXX. {$260.00} XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and I contacted XXXX trying to figure out what the charges were for when we discovered that I had a medical policy in XXXX with a company at this number with a different name. I cancelled that policy in XX/XX/XXXX because it was not the Health Insurance I was told I would be getting. XXXX told us that they would need a complete copy of my credit card statement in order to figure out what I was being charged for. They did confirm my cancellation in XXXX. 

I next called Discover and disputed all of these charges. Temporary credits were issued by Discover. XXXX sent paperwork to Discover claiming I requested their services. Their claim is false and I tried to explain to Discover that my name is misspelled ( XXXX XXXX ), my address is incorrect, my phone number is incorrect, my email is incorrect and the signature is not mine. 

I have been trying to resolve this issue since XX/XX/XXXX. I have received credit back for all charges except {$530.00}. The XXXX charge of {$240.00} and XXXX charge of {$290.00}. 

On XXXX XXXX Discover placed a stop pay on my credit card to try to prevent XXXX from charging my account again but on XXXX I was charged again. I contacted Discover immediately and they then shut down my card and issued a new card. 

A Discover Card representative told me that if I got a termination letter from the company all charges would be removed so I contacted the company and forwarded the termination letter to Discover only to be told it did not matter. I again tried calling Discover and was transferred to a XXXX XXXX, in Ohio. She told me that the merchant had shown proof that I did agree to this transaction and the case was closed. XXXX was on the call wil me and was asking how their claim could be valid when all of the information ( spelling of name, wrong email, address, etc ) when XXXX announced she was ending the call and hung up on us. 

Please note in compiling this information to file with your agency, I have found that the charge of {$290.00} on XX/XX/XXXX was not issued a temporary credit and it should have been part of this dispute. There have been so many charges and credits regarding this matter it has become very confusing. 

At no time in XXXX did I authorize XXXX to charge my credit card nor have I requested their services.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS TRULIANTFCU Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX
Product: Mortgage

My house payment is {$3000.00}. On XX/XX/XXXX and XXXX I sent payments to BofA through my online banking account with them for {$1500.00} each. On XX/XX/XXXX I messaged them to apply these amounts to my payment due XX/XX/XXXX. They have done this for me multiple times before, including in XXXX. This time I received no response and the amounts were not applied. I messaged BofA through their 'contact us ' feature three more times up until XX/XX/XXXX. Then I began e-mails. On XX/XX/XXXX I finally received an e-mail back from 'Mortgage Servicing Executive Escalations ' stating they had received my complaint and would respond to me soon. One week later I have heard nothing and my payment now shows past due. I tried calling and after navigating the automated system to try to speak to a human being I was told the wait would be 60-90 minutes.  I did not feel it fair to wait that long since I had messaged and e-mailed them multiple times for a payment that I made early and over the required amount.
Product: Debt collection

I have repeatedly requested a copy of the contract that this debt was purchased from XXXX and they have yet to produce it.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX Owed : {$XXXX} XXXX XXXX XXXX XXXX XXXX XXXX : {$XXXX}
Product: Money transfer, virtual currency, or money service

I bank with XXXX and have used XXXX before and it worked fine. On XX/XX/XXXX I sold an item and the buyer sent me {$1000.00} via XXXX thru USAA. At first it was pending and then all the sudden it was rejected. Ive called 15+ times and received the same answers every time. It has been 22 days since this happened and still no resolution. My bank is stating that it was rejected and his bank is stating that its sent and that i received the funds. They even closed multiple disputes by him. And of course XXXX  just tells me they can not do anything about it because I use XXXX  thru my bank. 


XXXX XXXX XXXX - XXXX
Product: Debt collection

JEFFERSON CAPITAL SYSTEM, Original Creditor XXXX XXXX, Original Balance {$660.00}, Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX, Disputed with CRA 's ( XXXX, XXXX, XXXX XXXX ), Comments Optional comments or notes appended to the account by the company holding the account, or by the credit bureau. 
Account information disputed by consumer
Product: Credit card or prepaid card

I made a XXXX payment on my apple card who is managed through Goldman Sachs. They put a hold on the payment for 1/3 of a month ( 10 days ). When I noticed autopays declining I called and their Tier1 could not release the hold. The supervisor XXXX who called me from Customer advocacy said she could not either and refused further assistance claiming no one would help me. I asked for her manager/ next level leadership and she declined any identifying info for accountability or to pass me to her boss.
Product: Debt collection

Im responding saying that I wont be able to pay it right way Ive been trying to find a job for months i got kicked out moved to XXXX  and couldnt find a job there so I moved back to XXXX with my girlfriend and ur grandma to find a job but still nobodys wanting to hire me I need time to get the money Im sorry for any inconvenience
Product: Credit reporting or other personal consumer reports

See attached..I am aware of all data breaches, I have seen class action lawsuit for your failure to look into things, I have sent copies of my disputes to you and other bueros and the companies themselves, next steps will be litigation.
Product: Mortgage

I have asked my mortgage servicer to remove the escrow reserve on my account and re-analyze with no reserve/cushion. They refused initially and have since said they " are researching ''. I have the option to keep a reserve or not. If I choose not to have a reserve, I bear the responsibility of absorbing larger changes in escrow elements from year to year, which I am willing to do. RESPA only allows for up to XXXX months, and my state allows for the same, but neither requires a reserve as part of my escrow account.
Product: Credit card or prepaid card

XXXX  called coustomer service to get billing. some time around the XX/XX/ i do not remember the exact date.they said that it should be mailed out soon. and they gave me the account number and toled me to log in to XXXX to log in i was unable to log in or creat the account. XXXX XXXX  i tryed to log in again to pay on the account and again i was unable to.when i try any thing like loging in or to get account name or password i get this message. '' We can not verify the information entered. Please try again or contact us at XXXX '' also when on the site they miss leading link disguised as links to help you log in.which instead takes you to a site where you need to give them a credit card number to use the site.in witch you have a small box at the bottom with small writing you have to un click in order to no be inrolled in a product the you have to pay after a trial period. i unmarked the box but then imediatly a charge was atempted on my credit card .I feel that the site is fradulent and dangerous to do ant buisness with it is only there to facilate late payment charges with fees and miss lead you into paying for things that you have NO intention on using or paying for
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of the XXXX Data Breach, I attempted to add a credit freeze to a paid credit monitoring service with Experian. I have been unable to log into my account for two days, and when I contacted Experian today ( XXXX XXXX, 2017 ), I was told that all of the servers were down due to inclement weather in Florida. I am troubled that Experian is n't required to have a redundant system, or hot site, to continue to conduct business similar to the requirements for banks. 

I am unable to place a freeze on my credit reports to safeguard against the XXXX data breach, and I find it unacceptable that Experian is not able to monitor and report changes in my credit as they agreed to in the " Triple Alert '' monitoring service.
Product: Student loan

I applied for an Income-Driven Repayment ( IDR ) Plan before the resumption of federal student loan payments. My requested plan was the XXXX XXXX XXXX. I applied as a new applicant. I applied more than XXXX weeks before the resumption of student loan payments. The MOHELA portal confirms receipt of the relevant documentation on XX/XX/XXXX. However, MOHELA continues to list the status of my repayment plan application as " processing '' and has not adjusted my student loan payments accordingly. I have telephoned multiple times and can not reach anyone at MOHELA. When I have requested call back, I have received no call back. My student loan payments are too high for me to make, which is why I applied for the XXXX XXXX XXXX. I am requesting the completion of my application to the XXXX XXXX XXXX and correction/adjustment of all bills issued since the resumption of student loan payments to align with the terms of the XXXX XXXX XXXX that I applied to before resumption of federal student loan payments. I am trying to be financially responsible, make all my payments, and keep my account current. I am continuously sent incorrect bills that do not reflect my timely application to the XXXX XXXX XXXX. Today is XX/XX/XXXX which means MOHELA has been " processing '' my XXXX XXXX XXXX application for 85 days. This timeline is not acceptable per MOHELAs obligations to XXXX XXXX XXXX and my rights as a borrower. I applied for a temporary hardship forbearance on XX/XX/XXXX when it became apparent that processing delays at MOHELA could extend into XXXX and thus result in incorrect bills for me upon resumption of federal student loan payments. I did so in order to keep my account current and give MOHELA additional time to process the application to the XXXX XXXX XXXX. MOHELA processed the request for temporary hardship forbearance, denying it, but will not finish processing my application to the XXXX XXXX XXXX.