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

Comenity Bank ( XXXX XXXX  ) paid on time for 3 years, was on auto pay and paperless billing. Promotions internet rate was expiring. Called when I saw my payment went up. Spoke with supervisor. Told me I was within the grace period to pay off. Took my payment over the phone to close account. Account was never closed still charging me interest. Called numerous times. Supervisors keep telling me it will come off.it doesnt come off. They are ruining my credit. I refuse to pay.
Product: Credit card

I was offered the capital one XXXX XXXX card through the Capital app. There was a spending bonus for the first 3 months for spending over {$500.00} you receive {$200.00} The card arrived in XXXX. I met and went above the spending amount and was waiting for my bonus in XXXX but it never came, I called Capital One recently and they said my account was created in XXXX. A case was made for an extension. I got a call today XX/XX/XXXX and they said the extension is only up to XXXX they mailed out the card in XXXX and took no responsibility for the card arriving late. The extension also only extends to XXXX so I still can't qualify for the bonus. Never had such a negative experience where everything was set up for the customer to fail.
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$4000.00} / XX/XX/2022 XXXX / {$6500.00} / XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Bank account or service

I have recently joined M & T and love the bank but the fee 's are outrageous. I have received over XXXX dollars in fees since I have been with them and I have called to request a few fees back and nobody will help. I have always received assistance with other banks. They wont help at all. In addition there fee 's are XXXX each. I just asked for half of my fee 's back. I dont know why they dont try and accommodate there members
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am being hit with ( 2 ) hard inquiry on on XX/XX/2018 and XX/XX/2018 from XXXX XXXXXXXX which was not made be me and was 100 % fraud. This was not authorized by me. I called XXXX XXXXXXXX regarding this fraud and they put on with there higher representatives. 

I was told this was gon na be removed from my file and now months later I still see it on file. Again this was not made by me and I can answer any security questions about myself to prove that I am myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I have repeatedly disputed issues with my credit bureau report and have had a Fraud Alert placed on my credit as well, i.e inquiries, credit accounts, broken lease, name changes, address changes, accounts that were deleted and placed back on my credit, as well as the statue of limitations exceeded on several accounts. This is ruining my life. I have submitted numerous disputes to all XXXX agencies and my credit now is ruined. I am aware of things that should have been on my credit, i.e one property that I moved out of in my last month due to my health, but how could I have lived there and lived at another residence as well. I have submitted information to the credit reporting agencies numerous times. I am unsure what to do at this point. I have been disputing this for some time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed my credit score decreased by a significant amount, from XXXX to XXXX on TransUnion. I called and they told me to go online to XXXX. When I got there and put my information in, I was unable to see my report. The person on the other line told me he would look up my report, and after looking at it he said there was an " error 219 ''. A mismatch due to multiple files on my report. He transferred me and said another person could help me. When I reached the next party, he said there were multiple files on my report and asked ME what I wanted to do about them. I said I did n't know what to do about the error. I was told this is what could be impacting my score and I wanted to know what they 're going to do about it. I was then transferred to another department where I was put on hold for an hour. After an hour I hung up and tried again to get the same question, " what would you like us to do about this error? '' Then he told me the department we needed closed at XXXX ( we were on hold from XXXX XXXX.
Product: Checking or savings account

Bmo Harris let XXXX altered checks go through my checking account by pulling money from my money market. They shouldve allowed the XXXX checks to be cashed. The checks was stolen from my mailbox and the person altered the amount and endorsement the check to themselves. The check was cashed at a bank or currency exchange. The checks were cashed on XX/XX/XXXX and XXXX. Bmo took the money from my money market to cover charges. I have attached a picture of the police report number.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF ED/XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

DEPT OF EDXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My identity was stolen on XXXX, XXXXXXXX XXXX  I filed a dispute and was told that my credit would be Frozen, and that i should contact the FTC and have them help with fixing the problem, but there is still a hard inquiry from this company on my credit report. the company is Capital One. Someone tried to open an account/Credit card in my name.
Product: Credit reporting or other personal consumer reports

this is my fourth dispute NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated pith initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the ADR.ORG website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Credit Reporting Act ). I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If i do not receive a satisfactory response within this timeframe. I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address on file for me. 

Account name : XXXX XXXX Account # XXXX
Product: Debt collection

I am writing in reference to the account with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which you claim I owe {$21000.00}. Pursuant to 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you cease all communication with me regarding this debt. 

This request includes, but is not limited to, communication by phone, email, or mail at my home, workplace, or any other location. Please note that this request is made in accordance with my rights under federal law. 

Additionally, I request that you not contact any third parties in relation to this matter unless permitted by law.
Product: Vehicle loan or lease

My vehicle was repossessed on XX/XX/2022 as at the date of repossession ; my unpaid payment amount was {$1700.00}. My monthly payment was {$1000.00}. I was shocked that Nissan Motor Acceptance Company LLC XXXX XXXX XXXX XXXX, Texas XXXX my vehicle. Secondly, when I called the customer representative, after the vehicle was XXXX, I was told that I will have to pay {$450.00} repossession fee to get the vehicle back, if I make the payment within XXXX days. If I am unable to make the payment within XXXX days and the vehicle is taken to auction, I will pay additional {$150.00}. I made the payment on XX/XX/2022, less than XXXX  days from the day the vehicle was repossessed ; the vehicle was never taken to auction. Nissan Motor Acceptance Company LLC, still, forced me to pay the addition {$150.00}. 
I am requesting that the repossession fee of {$600.00} be refunded to me, at the minimum {$150.00} be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

For 5 years, I have requested from Experian the permissible permission used by their money making client, XXXX XXXX XXXX XXXX ( XXXX  ) in XX/XX/2017. For 5 years, both companies play deceitful games, and ignore. XXXX sent the attached but it is not the correct permissible permission used because it is undated. Hopefully their is one employee with intergrity and intelligence to get this done.
Product: Checking or savings account

I have an account with Juno, which is partnered with XXXX, XXXX XXXX # XXXX. I am currently unable to access any of my funds either through cards ( credit/debit ) or through XXXX transfers. This was my primary bank, so this has completely disrupted my ability to pay for my day-to-day bills and expenses. I am asking that the XXXX do everything in their power to re-enable access to mine and all other XXXX customer accounts ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a XXXX XXXX  and that my personal information has been compromised. As a result, I am requesting that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA XXXX ( b ) : Fraudulent 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 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 XXXXXX/XX/XXXX
Product: Debt collection

I have requested debt validation from this company in XXXX XXXX XXXX XXXX XX/XX/2023 and again in XX/XX/2023. 
I have never received any information from them and the amount has continued to change it started at XXXX and has since changed to the following amounts : {$320.00} {$330.00} {$330.00} {$330.00} {$330.00} {$340.00} {$340.00} It continues to increase and they have never responded to anything from me and I have attempted to dispute on XXXX and XXXX as well as XXXX and it continues to show on my XXXX account despite my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all I do not have any bad credit. What I do have is several good accounts that is being held on my account for 10 or more years that are paid out and closed..I began asking question as to why they kept this on my record so long. I wrote several companies and ask them to remove it. I did not say it was wrong just wanted it removed. They would then put it on my credit that I filed a dispute, which I did not I just asked them to remove it. Since starting my inquiries my credit score as fell from XXXX to XXXX I can see this on my XXXX XXXX. XXXX told me they got the info from Experian Credit reporting company. I wrote experian for a explanation and they would only send me a new report they would not answer my question as to why it dropped. The issue Experian is keeping things on my Credit for 10 years even though it is closed and has never been late. I called XXXX and they told Me it was Experian that controlled that aspect of the report. I called your agency and your rep told Me that even disputes can not affect my Credit Score. Each statement I receive from XXXX show a drop of 5 to 10 point for several months.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having a sufficient funds when transactions were authorized, I was charged fees due to lagged posting of chargers and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions
Product: Student loan

Discover does not provide adequate access to loan information for their borrowers, including important agreements to the terms of their loans. The loan statements are intentionally misleading and represent inaccurate interest calculations. My private student loans were bought by Discover from XXXX XXXX for an initial principle of {$34000.00} which is the combined total of XXXX ( XXXX ) different variable rate loans. The monthly statements indicate the principle balance, interest rates, and loan balance ( principle + interest ). However, when you calculate the interest rate based on the principle loan amount the loan balance indicates a significantly higher amount, misleading consumers that Discover 's arithmetic is inaccurate. When I called Discover student loans regarding this dependency, I was told that it is due to what they call " Capitalization '', which I was told by the representative is essentially a compounding, or double charged interested to my principle. This type of action would be in violation to the terms of my loan. When I pressed the representative on this issue, she decided to transfer me to someone else ( XXXX ) who was in what she called a " Specialty Department ''. After asking what this specialty department was, I was told that was a misrepresentation and he was just the acting supervisor. He later explained that what the previous representative said regarding compounding interest and double charged interest was not technically accurate. He began to tell me that it was something that most borrowers do n't think of or know they are agreeing to most of the time and agreed verbally that this was an underhanded practice. XXXX informed me that I agreed to all of this in my " Promissory Note '', which I do not have access to. Discover purchased my loans from XXXX XXXX in XXXX, however, Discover only gives me access to statements dating back to XX/XX/XXXX. So in short, my complaint is Discover 's lack of loan information, misleading or incomplete information on loan statements, and misleading information by representatives in customer service. It is clear that Discover Student Loans have not made the necessary improvements since the ruling of their XXXX class action lawsuit charging them with similar sloppy, misleading business practices. When will student borrowers get the protection they need from these crooked student dept holders??
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  XXXX Account number XXXX XXXXXXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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

I reported unauthorized charges on a credit card with US Bank and the case number given to me was XXXX and the fraud claim was filed on XX/XX/2019 I was told that the investigation would be over around the the end of XXXX and my fraud investigator 's name is XXXX XXXX, who was very helpful in the process. 

But as of now, it is XX/XX/XXXX and the negative payment history is still showing up on my credit report. I have made several calls over the last few weeks with no response whatsoever. 

I would like these charges as well as the negative payments removed from my account and credit profile.
Product: Debt collection

On XX/XX/XXXX a sworn Affidavit of Truth Was Sent by certified mail in regards to 9 Federally Protected Consumer Violations under 15 USC 1692 Please be advised from sworn Affidavit of truth PenFed Credit Union failed to validate my debt request. In fact there respond is attached below as Exhibit A.In addition to pursuant to The Fair Credit Reporting Act15 USC 1681a ( 2 ) under Exclusions of a Consumer Report 1681a ( 2 ) Except as provided in paragraph 3 the term consumer report does not include -- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. Pursuant to the definitions section of Truth In Lending 15 USC 1602 ( l ) the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Fact I am aware the card used to initiate this credit transaction was my social security card. Therefore any transaction that arose from this credit card should not be furnished on my Consumer Report. 


Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that PENFED CREDIT UNION is in violation of 15 USC 1692b ( 5 ) and 15 USC 1692b ( 2 ).

Fact, affiant is aware that PENFED CREDIT UNION did not validate the alleged debt pursuant to 15 USC 1692g and is in violation for failure to validate the alleged debt by my request made on via certified mail XX/XX/XXXX. In fact PENFED CREDIT UNION provided documents in the form of positive statements along with deceptive and misleading forms of information. 


Fact, affiant is aware and has proof in which exhibit A attached PENFED CREDIT UNION is a debt collector under definitions sections of the FDCPA 15 USC 1692. ( 6 ) The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests.

Fact, affiant is aware and has proof in the attachments labeled as Exhibit A stated that a debt was allegedly owed, in Exhibit B, Exhibit C, Exhibit D, Exhibit E, Exhibit F, and Exhibit G PENFED CREDIT UNION is in violation of 15 USC1692 ( e ) ( 2 ) ( a ) of the amount of alleged debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the following accounts from my file. 
XXXX XXXX XXXX Balance : {$250.00}, XXXX XXXX XXXX Balance : {$650.00}, XXXX XXXX  XXXX Balance : {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had four collections accounts with XXXX XXXX XXXX XXXX I paid them in full and they agreed to remove them from my credit report, I checked my credit report and all four were removed. Now I received a copy of my credit report and they are there again, I called Equifax and they told me they will removed them but nothing has happen yet. Please remove all four XXXX XXXX XXXX XXXX collections from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting unauthorized hard inquires on my credit report that I do not recognize. 
XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX