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

I am unable to access my account. The website redirects to " Bread '' financial which has apparently acquired Comenity. When I try to use the feature to find my account, it gives me an error message that it wasn't found. On this error page, they acknowledge an issue and say they're waving late fees for those whose payments were due on XXXX and XXXX. I do not fall into that group. 

I attempted to call, and was greeted with an automated message repeating the above information, and then told that they are not accepting calls and it hangs up on me. It is completely unacceptable that I can not access my account and they are shut down with no way to communicate with customers other than to say " sorry, we're not taking calls ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my complaint on XX/XX/XXXX about credit reporting, XXXX ACCOUNT XXXX XXXX XXXX replied letter on file shows the last payment date as XX/XX/XXXX. 
This means there was no more activity on this account as of XX/XX/XXXX, Equifax 's payment history shows paid on time for XX/XX/XXXX. 
The first 60 days late was reported XX/XX/XXXX. Where is the XXXX  days late payment? 

XXXX 's mentioned in the letter to reach out to the outside collection agency XXXX XXXX XXXX which shows XXXX 's has sold the account The Equifax report does not show this account sold. 
According to Equifax and XXXX reports, XXXX XXXX has been reporting ( CO ) for the last XXXX years. Equifax and XXXX are re-aging this account as they are reporting inaccurate information. 
XXXX is reporting in the letter balance is XXXX and Equifax is reporting the balance as XXXX The account opened in XX/XX/XXXX Equifax shows no data available from XX/XX/XXXX up to XX/XX/XXXX. 
ON Equifax report show activity designator closed, XXXX XXXX reported CO charged off XX/XX/XXXX, and XXXX XXXX is reporting on a closed account is a violation. 
There is no signed contract with XXXX XXXX XXXX XXXX complaints # XXXX
Product: Vehicle loan or lease

I am writing to file a formal complaint against Consumer Portfolio Services ( CPS ) regarding ongoing issues related to my loan account. I have been attempting to resolve this matter with CPS for the past year to no avail, and I believe that their actions XXXX constitute violations of consumer protection laws. 

Since XX/XX/XXXX, I have been in a loan agreement with CPS. Over the past year, I have made numerous attempts to work out a XXXX XXXX with CPS to resolve the outstanding balance. However, all my efforts have been unsuccessful due to CPSs prolonged response times and lack of direction. My most recent attempt to resolve the matter was on XXXX, wherein I was advised that in order to receive assistance, I needed to lift the Cease and Desist restriction on my account, which was originally requested in XXXX. 

Upon lifting these restrictions in writing and attempting to discuss the settlement, CPS continued to exhibit concerning behavior. Despite providing necessary information such as the mileage and value of the vehicle, CPS delayed responding until XXXX. Furthermore, when presented with information that the vehicles value was {$900.00} according to XXXX, CPS demanded an immediate payment of {$1500.00} within 10 days, despite stating the cars value was {$1100.00}. Additionally, CPS failed to disclose the source of their valuation while mentioning a payoff amount of {$9200.00}, including principal, interest, and fees owed. 

Furthermore, CPS has engaged in aggressive collection tactics, including excessive calls, emails, and contacting third-party references listed on my application from XXXX, without my consent. Despite being on unpaid medical leave, CPS has persisted in their collection efforts, making it difficult to resolve the matter.
Product: Credit card or prepaid card

For my US bank cash back credit card, I signed up the cash back deals to get {$15.00} back after making a purchase on XXXX. The deal expired in XX/XX/XXXX and the purchase was made in XX/XX/XXXX. From the description of the US bank website, I was supposed to receive the {$15.00} 7 days after XX/XX/XXXX. But its the end of XXXX, still see nothing. Called US bank card customers service, got transferred back and forth to several people, no one in the bank knows how to fix it. After spending hrs on the one, they are still unable to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; SUNTRUST DBA LIGHTSTREAM is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. SUNTRUST DBA LIGHTSTREAM is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : SUNTRUST DBA LIGHTSTREAM XX/XX/21. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. SUNTRUST DBA LIGHTSTREAM is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.
Product: Credit reporting or other personal consumer reports

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 looked at my Experian XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generall, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Dear Supervisor, This is a medical debt that wasn't properly billed through established medical insurance. 
The host company called XXXX, XXXX. only billed XXXX and not XXXX XXXX XXXX XXXX XXXX for the remainder. This balance has to be billed as agreed with XXXX insurance after the XXXX part. This entire bill is indeed in " Dispute ''! 
So, the amount of {$190.00} is not a valid debt. Also, the BYL Collections Services, LLC. has been attempting to collect this during the Covid-19 national emergency. Please stop collections via phone and mail. Stop using improper collection practices. Bill the insurance company as required.
Product: Checking or savings account

I opened a business checking account with Novo and used it for couple months. 
XXXX weeks ago I made a deposit of {$5200.00}, then payed out to my contractor some portion of it. Next day my account is frozen and since then I have called the bank numerous times to help but they keep telling me they don't know when they will complete their investigation. It's been XXXX weeks and still counting. 

I can't receive or spend any funds and they crippled my business.
Product: Credit card or prepaid card

I am a XXXX year old, U.S. citizen living for now in XXXX, due to not able to afford living in the U.S. since my pension is only {$600.00} per month. I decided to give my XXXXyear old grand-son, a gift by allowing a purchase pertaining the videogame XXXX for {$9.00} US dollars in XXXX. This was used by using the platform and the credit card informtion was saved there witthout me being aware of it as I had never used my credit card to purchase something related to video games online. My grand-son started making purchases since XX/XX/XXXX, which bills were paid, but continued making purchasing throughout the month of XXXX which amounted to {$4400.00}. Although the purchases were made due to me allowing my grand-son to get that one purchase, what its extremely ackward is that Wells Fargo nor XXXX XXXX did not take any type of action to keep this from happening. I contacted XXXX XXXX and they said charges were valid and that we needed to contact Wells Fargo. We contcted Wells Fargo and they submitted the case for review twice and both times came back with the conclusiong that the charges were valid and that the credit card holder shoudl be liable for the charges, or the person who charged the card should do so, meaning my XXXX year old grad-son. Ridiculous. We have been sent back and forth from one company to the other, where both are abviously looking to find someone else to be responsible for the chages but them. There are many cases already reported on situations like this, and although my son did make the purchases, this was clearly something I was not aware of and did not intend for it to happen. I was a Wells Fargo client since XXXX, and never made those type of purchases nor was ever late on my Credit Card payments and they did not even take any sort of precautions with odd purchases being made by my, specially made from overseas. XXXX XXXX, another company trying to stay away from guilt, knowing there have been cases in which they have had to reimburse families for the same issue, claim charges made by my XXXX year old grand-son were valid, this an under age kid who, although made the purchase, the charges were made by an underage individual so charges could not be valid. Also, I had no idea that the credit card information would stay saved in the platform as it was the first time I used the credit card for this type of purchse nor would have been able to understand the terms and conditions fully as this content is very difficult to understand for a XX/XX/XXXX English speaker. It will be greatly appreciated if you could assist me in this matter as this affects my peace of mind and I am under a lot of stress due to this situation. Any correspondence regarding this case could be mailed to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX or email me back to XXXX or my sons email XXXX, who is helping me with this complaints as my English is not the best. 
Thanks a lot for your attention. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA requirements 15 U.S.C 1681 section 602A states I have the right to privacy. XXXX, XXXX and Equifax did not preform a proper investigation with XXXX XXXX XXXX account XXXX. The term investigation consumer report means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends or with whom he is acquitted or whom may have knowledge concerning any such item of information. XXXX, XXXX and Equifax did not do this. XXXX, XXXX and Equifax states that the information has be verified. How is this possible when the information continue to report inaccurate and inconsistent for all three credit bureaus. This is grounds for deletion or removal of this inaccurate late notice. XXXX, XXXX and Equifax has violated my federally protected consumer rights. 15 U.S.C 1681 section 602a states I have the right to privacy. 15 U.S.C 1681 604a section 2 states a consumer reporting agency can not furnish my account or personal information without my written instructions. I did not give XXXX, XXXX or Equifax written instructions or permission to furnish this inaccurate late notice for XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX XXXX5 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

On or about XXXX the XXXX 2023 my truck was repossessed but I was still paying on my truck and thought everything was fine so I called the loan company and they said I was 104 days late and they still took the money for truck payments but before all this happened my wife passed away so I called the loan company ( Santander ) and asked them to defer the 3 months of payments to the end of my contract and I thought they did but now I dont think they ever deferred those payments and as a result my truck got repossessed my wife passed XXXX so the payments were supposed to be XXXX, XXXX and XXXX that got deferred until the end of my contract they repossessed my truck with no notice
Product: Credit reporting or other personal consumer reports

XX/XX/year> To Whom It May Concern : My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from credit reports effectively immediately. I attach proof the Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports : XXXX XXXX Acct # 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 XXXXXXXX Sincerely XXXX XXXX XXXX
Product: Credit card or prepaid card

A credit card was applied for in my name on XX/XX/2022 for an XXXX XXXX credit card. Application was submitted to Bank of America. BOA notified me and I contacted them and they cancelled the application and are going to flag it as fraudulent..
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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 Balance : {$6100.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$14000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and thank you for taking the time to read my complaint. This complaint is regarding XXXX. I will be submitting a complaint on Equifax and XXXX, respectively. On XX/XX/2021 I sent XXXX my first letter request the verification of several accounts I found upon checking my credit report. Below you will find screenshots of said letters. 
Upon comparing my XXXX report with Equifax and XXXX I was alarmed to see inconsistencies. That is the reason why I sent all three credit bureaus a letter to give them an opportunity to clarify if any mistakes had been made and to fix them following the proper steps. 
After a few days, I received the same response from all three credit bureaus respectively. All had verified and updated my information. However, when I checked my newly updated credit report the information was still inconsistent. 
Now, as far as I know, the same creditor is reporting the same information to the credit bureaus, right? All the information should be the same. All three credit bureaus should have the same high balance, same date of last activity, same balance, same everything. Why was it still different after they verified or in this case after XXXX verified it? 
On XX/XX/2021, I sent XXXX a letter stating I disagreed with their investigation and requesting they re-investigate as well as provide information about the individuals they verified the information with so I can follow up with them because that was within my rights according to the FCRA. I did not receive a response. 
On XX/XX/2021, I sent XXXX a letter with screenshots, comparing the information found on all three credit bureaus. I pointed out and submitted proof of the inaccuracies and requesting they deleted the items as they had not done their investigation adequately. My request was ignored even after submitting proof of the errors. 
I will be honest and say I was disappointed with the results especially knowing my rights were being violated and I couldn't fix it. On XX/XX/2021, I submitted a letter to XXXX again, requesting the investigation of the same accounts for the same errors. I got a letter saying they were verified and updated. no changes were made and the errors remained. 
That is when I opted to submit a complaint to you. I am one individual against an entire corporation, however, information is being reported inaccurately and this is negatively impacting my life so much and damaging my character. I feel hopeless because I presented the screenshots with the mistakes and my requests were ignored. 

I would like to add that letters to XXXX and Equifax were sent on the same day or similar to XXXX. I would also like to add that on my XXXX report several accounts continue to report every month as C/O even after it's been 180 days since they were charged off. This means a dead account has an active payment history, and each time C/O reports the statute of limitations is being illegally changed. Letters with screenshots of C/O being reported were sent to XXXX and were all ignored.
Product: Mortgage

I submitted a complaint about SWBC mortgage, i see on the website that the complaint has ben closed. I have not spoken to anyone about this matter. I received a letter from the mortgage company yesterday that further supports my claims. This company 's actions should be reviewed. We have submitted military orders several times throughout the last six months. We received a letter informing us that we were denied modifications because there were no military orders submitted. The orders have been uploaded on the company website since XXXX of XXXX
Product: Credit reporting or other personal consumer reports

I made a complaint under the confirmation number on XX/XX/XXXX, due to 3 reports on my credit and I do not know the Equifax solution, but when I review my report again I have a new inquiries on my report, so I made another complaint under the confirmation number XXXX. I attach the information that I am reporting, I called the company by phone and sent them the documentation they suggested but they already closed the investigation without having received the documentation that was sent by me. thank you This is the information of the inquiries that I require removed from my report : XXXX. XXXX XXXXXXXX, Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX, XXXX, Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX I attach the document received with the result of the dispute, where it can still be seen that they were not removed. 
Thanks You
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was approved for student loans from Navient in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Throughout this time and for most of my life, my income is well below poverty level and my credit was adverse. I believe that Navient disbursed student loans to me, which I was not qualified to receive. I would like Navient to provide documentation showing my XXXX XXXX at the time of each loan application, which would be XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This information will be necessary to review remediation options with Navient for my outstanding loans.
Product: Credit card

I have received multiple credit cards ( XX/XX/XXXXXXXX, Bank of America ) in the mail and they were not opened by myself. Also received a phone call around XX/XX/XXXX regarding an auto loan from Bank of America. I have never applied for a loan with Bank of America or a credit card from Bank of America or any of the banks mentioned above. Thought these were strange considering I haven't applied for a credit card since late XX/XX/XXXX so I decided to check my credit report to see if they were legitimate inquiries and they are not. 

I've placed a fraud alert on my credit report for the next year to avoid this from happening in the near future.