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

I purchase a sofa and loveseat at XXXX XXXX in XXXX XXXX, IL on XX/XX/2019. At the time of the purchase I applied for the XXXX XXXX credit card in order to get a store credit of {$370.00} on the XXXX XXXX card. I provided my name, address and last 4 digits of my SSN. The associate said the application was pending, which sometimes happened. 

I received a letter on XX/XX/2019 from Comenity, saying they needed additional information on my application. I called Commenity to answer some security questions. I explained that I had refinanced my mortgage recently and the company had then transfered the servicing to another firm, so I gave her the name of both companies. They also asked about my car loan and I told her what car I have and when I financed it. I spoke to a supervisor XXXX XXXX XXXX, and he said the application should be completed by end of the day, but that they could not tell me the results. He did tell me the XXXX XXXX store could confirm the card number if I called them as he was required by law to send it only by mail. 

I called XXXX XXXX later on XX/XX/XXXX. They looked up my information and said that there was another card holder with my same last 4 digits of my SSN in my same zip code -- so that was probably the problem with my application. I called XXXX XXXX again to check on XX/XX/XXXX, and my sales rep also said she saw no approved card for me. She called Comenity to see what was going on and called me back to say they did not have any information. 

I called Comenity again on XX/XX/XXXX. They wouldn't tell me anyting, so I asked for a supervisor. The supervisor, XXXX ( extension XXXX ) would not tell me a status but said a letter had been mailed on XX/XX/XXXX. When I pushed back that if they mailed a letter 2 days ago they clearly had a decision, she did finally read me a form letter saying my application had been denied. She said Commentity could not verify my identity. All I could get out of her was that I must have answered several of the identity questions wrong - but she could not tell me what I was asked or which they thought were wrong. I offered to clarify any concerns and told her that I had other current Commentity credit cards for other stores. She would not tell me what the problem was or offer to remedy, just that the application was denied and she could do nothing else. 

I am very upset that I am being denied credit without the opportunity to provide additional information to Commentity. My credit score is excellent and this apparent confusion with another card holder in my zip code is clearly not my fault. I am also very upset that this decision means I won't be able to obtain {$370.00} reward offered to open the card -- again, not due to my credit history, but due to a flaw in Commenity 's review process. 

I recently refinanced my primary residence with absolutely no issues, so I know there is not an issue with my credit file XXXX as XXXX from Comentiy suggested on the phone ).
Product: Credit card

On XX/XX/year> I received a credit alert from XXXX XXXX through XXXX XXXX that there was an update to my credit report. In reviewing, both XXXX and XXXX reported inquiries and a new account opening with Truist. I did not take these actions, so this flagged me of fraudulent activity. 

I then contacted Truist Bank on XX/XX/year> and spoke with Account XXXX and completed a fraudulent report on the phone with a representative. They reported both a checking account and a credit card account were opened using my XXXX, XXXX, and maiden name in XXXX of 2024, and confirmed the phone number and address on file did not match my current information. They opened an investigation, put a stop order on the cards being issued in the mail, and stated I would be informed of action and steps taken by Truist via letter in the mail. 

I notified Truist that there was a preexisting Fraud Alert on my credit report from XXXX and XX/XX/year>, with XXXX, XXXX and XXXX, and inquired why these accounts were opened despite the Fraud Alert and without efforts to confirm my identity or contact me. They informed me they filed an internal complaint about this matter, but did not provide a confirmation number or contact information for follow up on the matter of the complaint. 

I contacted XXXX, XXXX, and XXXX on XX/XX/year>, to dispute the fraudulent accounts, fraudulent inquiries, and incorrect demographic information now on my credit reports. All XXXX  have opened an investigation and disputes for the incorrect demographic information, and fraudulent accounts. I also placed a hard freeze on all credit bureaus on XX/XX/year>. 

It is important to note that the fraudulent credit account has significantly impacted my XXXX XXXX at this time. 

It is also important to underscore that a checking and credit card account were processed and opened by Truist Bank in XX/XX/year> against my credit report, despite a Fraud Alert being on my credit report since XXXX and XXXX of 2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX  All Banks Inquiry date : XX/XX/XXXX I contacted each company individually and was told to contact the credit reporting companies directly.After my dispute I received mail indicating the inquiries where verified, they provided no explanation of verification/investigation process, no evidence of any signed documents or authorization form me approving these inquiries and provided no open accounts to the reference for any of the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are illegally reporting this account as XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX Payment History Last payment XXXXXXXX XXXX XXXX Current Payment Status In Repossession Worst Payment Status No Info They have ignored my request for a copy of the Finance Contract AND Account Ledger as evidence to prove this account status/comments. I've made this request by email, by certified return receipt mail, and also by hand delivery to the Registered agent known as XXXX XXXX, PA. 

If they are unable ( or unwilling ) to provide such evidence to me either by mail or email, then pursuant to the FCRA, they must delete the account in its entirety.
Product: Debt collection

This is an old account. I made attempts to contact the collection agency to work out a payment plan which they did n't accept. I 've since received numerous calls. It has become uncomfortable and distracting taking these called while I 'm at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account should need to consider and late payments should be remove right away, because I am totally affected by the Covid when this happen.
Product: Debt collection

Correspondence dated XXXX XXXX, 2016 documents an attempt to collect {$440.00} which they state is owed to PayPal. A telephone conversation with a PayPal representative indicated that my PayPal account balance this morning is {$0.00}.
Product: Credit reporting or other personal consumer reports

One Main Financial {$10000.00} repossession of the vehicle Breach of arbitration clause
Product: Checking or savings account

In XX/XX/2020 I purchased tickets to an event using my Regions debit card. The following month, in XXXX, this event was cancelled due to COVID-19. I never received a refund from the vendor despite contacting them multiple times. Therefore, I filed a transaction dispute over the phone with Regions in late XXXX ( proof attached ). The Regions claims rep told me the money would be refunded to my account within 10 business days. She lied. Instead, Regions sent me a claims denial letter the very next day due to " lack of evidence '' ( proof attached ). I faxed Regions proof of the event cancellation ( proof attached ). Regions never responded or refunded the money to my account, so visited a branch location in XXXXXXXX on XX/XX/XXXX. The asst mgr, XXXX XXXX, told me that she can not assist with a claims dispute in-store and that it must be handled through their 800-number. I informed her that I called the number multiple times and no one EVER answers. She said " I know they don't answer, but you just have to keep trying. '' To-date, Regions has failed to refund my account ; I am escalating this matter to CFPB for investigation and resolve.
Product: Debt collection

XXXX mailed dispute certified mail to them and as of XX/XX/XXXX it was returned for being not deliverable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consistently, Experian refuses to add timely positive account information to my credit report. Conversely, they add negative information to my credit report speedily and rigidly.
Product: Payday loan, title loan, or personal loan

account paid in full XX/XX/2022 sent three dispute to get account updated as paid report back accurate every time and credit report shows last payment in XX/XX/2022 and hasnt updated after that month
Product: Credit card

To the CFPB I'm submitting this complaint against Chase Bank NA, because this bank and or collection agency actually violated federal laws, FCRA, FTC. I have made contact by phone to ask them to validate these accounts. 
I was not aware of a legal action against my person back in XXXX  This collection agency acted unlawful by summing this action to collect two accounts that someone, with out my permission, was opened at Chase Bank. I need a full investigation on my behalf. I'm over 55 years of age and considered a senior citizen. 
This account was never validated. Under federal laws, I need all documents when this account was open. I understand that Chase Bank closed this account because of fraud. I am in need of the whole application and documents to be able to validate this account. 
1 application 2 first day of delinquency 3 payment history 4 history of reporting to credit bureau 5 assignment of sale from__________ to?

6 a break down of interest and fees 7 legal fees if applicable 8 name of the judge on the default judgment if applicable 9 bar number from the lawyer that submitted the complaint if applicable 10 collection agency number to collect in my state.

11 ACCOUNT # ___________________
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a XXXX ( Cancellation of Debt ) from the following charged off accounts listed below, Upstart Network Inc. acct XXXX XXXX after checking my most current report the updated information state the account was purchased by XXXX XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the XXXX form.
Product: Credit reporting or other personal consumer reports

1 ) Account was opened without my full knowledge on XX/XX/XXXX due to the undisclosed party 's error. 

2 ) I discover the card was opened by the undisclosed party but it's an amount I can pay off on XX/XX/XXXX and I do have text messages to confirm it. The undisclosed party ended up apologizing and began looking for information for the card and the card itself. 

3 ) I finally get the card on XX/XX/XXXX. have a screen shot of me accessing the website of the card and of me swapping over from the undisclosed party 's bank account to my own for payments. 

The card however infect still removed money from the previous account, the undisclosed party 's account, that was tied to the account but was removed. 

4 ) I attempted to pay yesterday on XX/XX/XXXX but the transaction wasn't posted even into late this evening. I received no warning about how the card needs 14 days to process payments. I tried to pay again earlier today, but continued to check all day with nothing confirmed. I check the account balance on the card this evening, around XXXX, to discover that the account is now showing that I overpaid the card with a credit balance of $ XXXX showing when the balance was a XXXX showed yesterday and up until tonight. I have a screen show proving that that was the balance. I only intended to pay {$300.00}. The company may try to remove {$600.00} from me instead of my desired {$300.00}.
Product: Payday loan, title loan, or personal loan

What happened? 
i im filing a complaint with the state of Wisconsin for the illegal repossession of my vehicle. On both occasions no notice of default was sent. The first time XXXX claimed he had sent it but to the wrong address. I personally gave him the correct address informing him my car was picked up at my house and gave him the address and confirmed it. I tried to make a payment online which i couldn't.On this occasion not only was my car taken without mailing a notice of default bit also while i verbally told the XXXX  not to take it as my right by Wisconsin law. You have violated my rights with your illegal practices by not following the law of the state of Wisconsin. A complaint and copy of this email will be filed with the state. Also as I'm looking at my contact information i noticed that i was told my interest would be 156 % when i was approved yet noticed that it is actually 190 %. As these documents are not shown or explained at time of loan you are told to just sign which is misleading by tell you one rate and by not informing the actual interest rate being charged at the time of signing the contract which is also a fraudulent practice by TitleMax.
Product: Debt collection

Consumer Adj CO. who listed as the debt collector, whom I have no knowledge of, reported a debt for XXXX XXXX Professionals who is listed as the original creditor reported to XXXX and XXXX a fraudulent debt of XXXX that is stated to have opened XX/XX/2022. This is fraud! An attempt to fraudulently collect monies. I do not have an open or closed contract, agreement nor contact verbally or non-verbal with this entity and have no knowledge of this company. It also shows record Consumer Adjustment CO is a closed facility, or non-operating entity. This entity has been sued constantly and lost cases for fraudulently creating false claims of debts owed. Per the XXXX.org website, each case they lost. I've never received any communication. This is a fraudulent debt collection attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

I've already disputed this item with each bureaus, but they did not remove it, nor prove validation. 

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: Money transfer, virtual currency, or money service

XX/XX/year> {$60.00} sent XX/XX/year> XXXX $ sent XX/XX/year> XXXX sent Three unauthorized payments through XXXX XXXX went through my account. Here are the amounts and dates for each of them. I submitted a chargeback under unauthorized transactions through KeyBank my bank and initially gave me my funds back, but ultimately deemed that it was not necessary to refund me my money for an unauthorized transaction due to whatever reason, but it was not me who made these payments so I dont understand why they didnt just return me my money when it was clearly fraud or unauthorized transaction, I sent the money from my debit card attached to the Apple Pay that I have with KeyBank. I had noticed later in the day that these payments were made, and I immediately charge them back and they told me I would get my money back, but I got the letter today saying that theyre taking the money back.
Product: Debt collection

Midland Credit MGT served a person at an address I do not live at in XXXX of XXXX and then the court turned it into a judgement in XXXX of XXXX in XXXX, I do not live in XXXX since XX/XX/XXXX... .and have not returned, I live in XXXX and can prove that, I just happen to find this out or I would have never known someone was served that was not me, how can they serve someone that was not me at an address I do not live at. in another state, I used to live in the state of XXXX but have not since XX/XX/XXXX ... .this is an improper serve. I did not know they could just serve anyone and then go place a judgment without them even knowing... ..this is a bit scary and my information was now shared with this person, i'm not even related to this person in any way.
Product: Mortgage

Simmons Bank is not willing to work with me on my matured real estate loan. I have asked if they can pause or extend the matured loan for 180 days like what the CAREs Act provides, but they have refused to do the extension. Here is the banks reponse for my request : On XXXX XXXX, 2020, at XXXX XXXX, XXXX XXXX XXXX wrote : XXXX , From my understanding of all of the lending managers that I was able to speak with today We are not allowed to do a 3 mth extension. Refinance is the only option. I am still waiting for a call back from the manager that oversees the portfolio lending, meaning a refinance that stays within our bank. I am trying to find out what the rate would be and what fees are involved. I sent to you last month what a secondary loan would look like as far as fees and the rate and that should be the same now. So, as far as our bank it appears there will 2 options we have to offer. Secondary or port refi. As I stated, I will find out what the fees and rate are on the port loan. 
When I have more information I will share it with you. I would like to help you if I can. 
Thank you XXXX This is what I asked for : I am requesting a 3 month change in terms/ extension due to the following reasons : corona virus/Oklahoma having several cases recently, I am not comfortable getting out in public at this time, XXXX/simmons not informing me that the loan was maturing till after the loan matured ( after I made several attempts to multiple employees to figure out what was wrong with the loan ), and finally I have never been late on any payment to XXXX or simmons bank. 

Let me know as soon as possible whether or not you can make file the 3 month extension. 

Please reach out and help me fix this with the bank.
Product: Credit reporting or other personal consumer reports

XXXX : ACCORDING TO XXXX XXXX TRANSUNION 1997, XXXX IS SUPPOSED TO ENSURE MAXIMUM POSSIBLE ACCURACY. THIS ACCOUNT VIOLATES THESE LAWS. 15USC1681I, 15USC1681S-2. 15USC1681I ( 5 ), 15USC1681E ( B ). DELETE ACCOUNT According to FCRA section 605B it is illegal to report information on my credit report without my permission please remove this off my credit report
Product: Vehicle loan or lease

well its a little over a year ive been having this problem..i make my payments monthly and havent missed any..company says im behind like on 3 payments, interest keeps going higher, have late fees..i always tell them that im making my payments and have prove..they say that i only have paid like XXXX for principal..when i have paid over XXXX already..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXXXXXX XXXX XXXXXXXX : XXXX XXXX {$380.00} collection XXXX XXXX XXXX XXXX XXXX {$270.00} collection XXXX XXXX XXXX : XXXX XXXX {$53.00} collection XXXX XXXX XXXX XXXX XXXX {$440.00} collection XXXX XXXX XXXX XXXX XXXX {$18000.00} collection XXXX XXXX XX/XX/XXXX {$2600.00} collection XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX inquiries XXXX XXXX XXXX inquiries XXXX, an XXXX XXXX inquiries XXXX XXXX  XXXX XXXX inquirieXXXX XXXX XXXX  XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX  XX/XX/XXXX inquiries 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 in account without my written instructions
Product: Debt collection

XX/XX/30 customer called the company about a settlement letter for {$1200.00} from the original creditor XXXX company representative called and transferred to manager where he asked for the letter to emailed to him XXXX company representative called and stated that the offer was approved and wanted to set up payment ... planned for XXXX but the company was closed XXXX company representative called in the morning and afternoon ... I submitted the credit card info just to be told there is a problem. They asked for a copy of the letter XXXX company representative called again to offer a XXXX settlement and then transferred me to a manager. I politely said no stating you agreed to one amount just change it to a higher amount when I was ready to pay
Product: Consumer Loan

I had a loan with the local "  TOWER LOAN  '' Company and the loan has been paid off and I was told they only report to the credit bureaus every 3 months. This is an unreasonable time to wait to see your  credit score  reflect the removal of the debt. I believe it is intentional to keep consumers in a position where they can not get lower interest loans and will have to keep coming back to them when they need money. I called both the local office and their controlling office in Mississippi for help and got none. As a matter of fact when I ask to have the name of the person in charge of the corporate office I was flat out to ld NO..
Product: Debt collection

I do not owe a Debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is NOT registered to transact business and/or collect debts in my state under XXXX XXXX XXXX