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

I have not received a statement ( either via email or mail ) from Comenity Capital Bank XXXX XXXX XXXX since they became my credit card servicing company sometime around XXXX or XXXX ( formerly XXXX ). 

I have attached a screenshot of their portal which was taken on XXXX XXXX. showing no statements are available. Despite this - the company has continued to post finance and late fees, which is illegal. The only information I've received from the company is " they've forwarded it to the right department '' and as of today there are still no statements available and fees are still showing on the account. 

The reason I want to see the statements in detail is because their online portal shows I owe a balance but my bank is showing that the check to cover the previous month statement was cashed and there is no activity ( as we stopped using this card due to the numerous problems we've had ). So I have no idea if there is system is just broken, there is some charge they are claiming was made or if this is just outright fraud. 

Based on some quick research it seems a lot of people have had a similar issue with this bank ( especially those of us coming from the XXXX XXXX XXXX XXXX ). So I am sure there are many others who are being taken advantage of.
Product: Mortgage

I previously submitted a complaint to CFPB. While the company did respond, the response did not offer any resolution XXXX XXXX. The details of this complaint are presented in the attached documentation. We agreed on a Deed-in-Lieu and the company wrongly claimed that we withdrew from the program. I would like the company to reopen my approve Deed-In-Lieu and allow me to proceed.
Product: Mortgage

We applied for a refi of our 30 yr fixed mortgage with wells fargo. The very first step was payi g {$30.00}, and wells pulling our credit report and score. Based on that report and score, wells put us in the loan process. 
Then wells took {$500.00} from our Wells checking account for a property appraisal. Appraisal went fine and title insurance went through also. Then wells account rep XXXX XXXX told our homeowners insurance XXXX XXXX to change payee from XXXX ( existing mortgage holder ) to wells. All items went through the full underwriting and were approved. After discussing that I am XXXX and on SS XXXX, my refi was suddenly closed with no explanation. When i called I got a form letter saying it was my credit score but mortgage brokers said wells does loans with scores lower than mine and i wouldve beenscreened out at initial application, and the credit score was step 1 and they approved it. I think i was turned down for being XXXX. XXXX XXXX still shows wells fargo as payee and say loan was approved. They say only wells can change it. If my credit score was no good why did they take {$500.00} for an appraisal and change my insurance policy payee and do title insurance? plesse help me.
Product: Mortgage

I contacted PHH Mortgage on XXXX informing them about acc number change for my automatic payment withdrawal.. Gave all information of new account number including account number and routing number .. Fully knowing it would take a while to input new information into their system I NEVER ever told the employee not to withdraw XXXX  s payment from old account .. Someone at that bank made that decision for me .. When I noticed payment was not withdrawn I contacted them wanting to know who made that decision for me .. They are looking into that but I did not still receive an answer two months later.. That decision sent my account into downhill spiral.. They are instead of providing me an answer sending me a bill for XXXX XXXX late charges and threatening to report me to credit rating company.. I have since send in 3 payments one of which they deposited on XX/XX/21 ... I wrote to them ... called them numerous times .. as they are still working on it .. Only response from them is late charge and threatening.. I do hope you can help me ..and thank you in advance.
Product: Credit reporting or other personal consumer reports

I have contacted Experian multiple times about an account not being reported correctly. I have given them documents from another credit bureau that has confirmed with their investigation to update my information correctly. Experian has refused to confirm their investigation information with me and they refuse to accept my documents to correct my information about my account. 

Experian Dispute number : XXXX
Product: Credit reporting or other personal consumer reports

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 Re : Request for Method of Verification and Update of Account Status on the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian, I am writing in reference to my previous requests regarding the verification of the information on my credit report. On XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX contacted you to request a method of verification for an account listed in my credit report, and to have the account updated to Paid As Agreed, Not Late ( PAANL ) status. However, to date, I have not received any response or verification as required under the Fair Credit Reporting Act ( FCRA ). 

As you are aware, under FCRA Section 611 ( 15 U.S.C. 1681i ), if a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute and provide the consumer with a statement of the method of verification within 30 days. The failure to respond appropriately to my request for method of verification is in violation of this provision. 

Furthermore, under FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ), if the information reported is found to be inaccurate, Experian is obligated to update the account status promptly. Therefore, I request that you take immediate action to update the status of the account in question to " Paid As Agreed, Not Late '' ( PAANL ) as it is in accordance with the accurate representation of my credit history. 

Please provide written confirmation of this update as soon as possible. If this request is not fulfilled within the required time frame, I will consider taking further action to ensure my rights under the FCRA are fully enforced. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX CARD account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of XXXX I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Vehicle loan or lease

In XX/XX/XXXX my vehicle was totaled. I was very distraught after the accident and moved to Kentucky right after the accident. I did not know the insurance did not cover the entire amount. The payment of {$320.00} was due on the XXXX of each month. 

I did miss the XX/XX/XXXX & XX/XX/XXXX payments. The reported 30 & 60 day late payments are correct. 

On XX/XX/XXXX COAF received insurance proceeds of {$15000.00} and that left a balance of {$680.00} unpaid. 

I received a dispute response from COAF, on pg 2 COAF states the XX/XX/XXXX payment was not paid until XX/XX/XXXX, and the XX/XX/XXXX payment was not paid until XX/XX/XXXX when I paid the {$680.00}. 

What happened to the XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX payments? How were those payments made? 

Plus how can COAF report the XXXX as XX/XX/XXXX, according to XXXX XXXX guidelines, it should have been XX/XX/XXXX. And how does COAF verify account as a Charge-Off with only reporting 2 late payments? 

Look at the CRA payment history reporting, is this factually correct according to XXXX XXXX standards?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX regarding erroneous, and unvalidated information from 3 collection agencies, 1 of which has since stop reporting on it's own after I asked the company to validate the alleged debt.

The two remaining collection agencies are XXXX XXXX and Specialized Collocation Systems have yet to validate their alleged accounts. I have never given XXXX Associates nor Specialized Collection Systems permission to receive, collect, nor furnished any of my personal information and private information to any agency ( ies ) or person. 
XXXX seems to be violating the law. 15 USC 1681b Permissible Purpose of Consumer Report.

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX stated that they investigated the alleged accounts and it was verified, and will not reverify the alleged accounts. 
I wrote XXXX again requested information regarding their investigation in XXXX, XXXX. As of now XX/XX/XXXX I have not receive the requested answers to my questions regarding the validation of those 2 alleged accounts.

15 USC 1681 a 2 ( a ) ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Debt collection

I received this companies " proof of Debt '' they are right it is NOT a XXXX - it is XXXX.. STILL NOT MY DEBT! I stated that this is not mine. This debtor needs to contact XXXX XXXX XXXX. The dates are included with a legal case. All original creditors have been contact. further collection is a violation - if you continue, I would be happy to hold you responsible for damages I would be entitled from you to under the law. 

Or you could contact this law firm ask for XXXX ... a paralegal that I know would be happy to set you straight By the way I also mail you the information!
Product: Credit card or prepaid card

I made a credit card payment on XXXX XXXX, 2017 to my Regions Bank Credit card. The payment is being held indefinitely, and no one at Regions can give me a clear answer as to why and how long the hold will last. The account is about 3 months old, and I have never had a payment returned. Moreover, the payment was for {$5000.00} and the total credit line available is {$15000.00}. So, I do n't understand why the entire account is unusable while the payment is on hold. Obviously, the payment cleared from the XXXX XXXX XXXX account a long while back.
Product: Debt collection

On XX/XX/17 I received a call early in the morning and the name the person asked for was not mine. Three hours later I received another call from the same number where one woman was very rude and even hung up on me when I asked what/who this was. I called the number back to advise them not to call this number again. I even repeated the phone number back to them and the representative said they will remove the number. An hour and about 35 minutes after I received another call from the same number, two more calls about three hours after that and then finally another call an hour and 45 minutes after that as well as voice mail messages. In just one day I received a total of 6 calls all from the same number and same company. In the past I have received multiple calls throughout the day from this number before. They even call from multiple different numbers.
Product: Money transfer, virtual currency, or money service

XXXX XXXX : Initiated a {$1500.00} XXXX transfer from sender 's Bank of America ( BofA ) account to recipient 's XXXX account ( confirmation attached ) -Recipient received email shortly from XXXX stating funds would arrive momentarily ( attached ). 
-XX/XX/XXXX : Funds were processed and withdrawn from sender 's BofA account ( confirmation attached ),  Recipient claims to not have received the funds -XX/XX/XXXX : Sender opened a claim through BofA to track funds that never arrived to recipient 's intended account. 
-XX/XX/XXXX : Sender sent a test {$1.00} to recipient which was received instantly XXXX XXXX : BofA informed sender that claim had been resolved and closed with the resolution ( letter attached ) that  XXXX had found the funds were successfully to intended recipient 's account. This misinformation was provided by XXXX, but should have been confirmed by BofA. 
Sender and recipient have been several phone calls during this process to track the funds. Conference calls between XXXX, sender, and recipient have been made with no luck finding the funds in question. Sender has now re-opened the claim and request to be sent to an escalation department because of misinformation from both BofA and XXXX claiming the funds have been found. When calling XXXX claims department, no funds were found in the amount of {$1500.00}
Product: Credit card or prepaid card

XX/XX/XXXX I discovered that my credit card company had been adding {$200.00} to my statement, above what I had charged or any fees. It went back as far as I could check, XX/XX/XXXX. I called and spoke with USAA customer service and they did an audit while I was on the phone. They told me they found that in XX/XX/XXXX I had received a {$200.00} credit on a purchase. The credit was made but then they continued to add the {$200.00} to each statement thereafter. I thought they were going to correct the problem once they found it but they didn't. They are still adding {$200.00} but it doesn't appear to be cumulative. However, they started charging interest when I subtracted {$200.00} from the last bill. I quit charging on this credit card and have established a new credit account with my local bank. I called to tell USAA credit card department I wanted to close my account with them. They then played a recording to me that 'if I close my account it will damage my credit score and I risk losing the money in the " Subscriber 's Savings Account '' which amounts to about {$4000.00}. I also have auto and renters insurance with USAA and plan to let them go ( not renew ) when they expire. They warned me about doing that also.
Product: Credit reporting

e : Public Record on Credit Report Docket # : XXXX Plaintiff : XXXX Balance : {$270000.00} Dear Experian, I am writing to dispute the validity of the above referenced item pursuant to the Fair Credit Reporting Act ( FCRA ). The FCRA requires you to verify the validity of the item within 30 days. If you can not verify the validity of this item within 30 days, the law says you are obligated by law to remove the item. 

If you are able to verify this judgment, let me know whomever provided you with this information and the manner in which it was provided so that I can get to the bottom of this. Hiring a third party to verify this judgment is against the law. Also, do not look up this public record in the XXXX XXXX database or through the Public Access to Court Electronic Records ( PACER ) database. Or by a third party. Verify directly with the court.
Product: Student loan

I attended college from XX/XX/XXXX through XX/XX/XXXXand got a private student loan through American Education Services ( AES ) in XX/XX/XXXXfor the amount of {$20000.00} of which I immediately sent {$10000.00} back and only used {$10000.00} for college expenses. I determined after the agreement that I did not require the total amount and rather than cancel the agreement and start over I cashed and sent half back. I have already payed in {$36000.00} and they expect {$15000.00} more or a total of {$68000.00} if I continue making payment per my schedule. Therefore, for a {$10000.00} loan, that was actually used for college expenses, AES is expecting {$68000.00}. This by definition is a scam and no institution should be allowed to make this kind of profit from {$10000.00}. I demand a Class Action Lawsuit to address the AES, who are engaging in unfair business tactics to exploit and scam students and receive a 700 % increase in their investment of only {$10000.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just looking over my credit report and found some inaccuracies that I am demanding you correct.
Product: Bank account or service

I had an account with Fifth Third Bank. I had an alert sent to me on when a payment was due. I closed the account yet they continue to send me the alerts on the payment due. I have talked to multiple people at Fifth Third, spending hours on the phone, and asked them to stop these emails, and they have not stopped. The emails do NOT contain an unsubscribe option ( is n't that a violation of the CAN SPAMM act?? )
Product: Checking or savings account

On XX/XX/2022 I XXXX XXXX sold my company car to XXXX for XXXX issued by bank draft. I took the check to Bank of America in XXXX and was told that the check will clear the following business day and was guaranteed that information. At that moment I asked her again and she verified that it will clear tomorrow morning because if it wont I could just take the check to XXXX XXXX XXXX and deposit it. But she specifically said no Bank of America will clear it. The next business day I get notified by Bank of America that a hold was placed on the check and was told that the check issuer will have a high chance of returning the check. I called XXXX and XXXX XXXX and was told that information is incorrect. Once again I call Bank of America to be told lie after lie even when I explained that I was directed under false pretenses as a customer to deposit the check. This is bad banking practices and legally not right to direct customers under false pretenses.
Product: Mortgage

This is a formal request to extend my Covid forbearance as Im still impacted. When I call to speak with a representative Im not given any information, and instead, told I need to speak with the Bankruptcy department, who does not provide answers. If you are unable to extend my forbearance, please advise why. Also, if you can not extend it, can you please ask the investor for an exception, so that they can determine if it can be extended? If Im ultimately decline and you can not extend it, please indicate what my options are. I do not want to lose the home, as I am living in the home, and XXXX. XXXX today Of Loancare tried to push the button to give me the extension stated that it shouldve went through but it routed me to the bankruptcy department he did not understand why he tried to put me through I was on hold for 35 minutes no one picked up but he said I did qualify, I explained to him I received an email and I tried to click it on and it did not let me do it. Different answers.
Product: Credit reporting or other personal consumer reports

My personal Information was exposed data breach. My information was exposed to identity theft resulting in several accounts of fraud on my report. I sent dispute letters to XXXX, EQUIFAX AND XXXX to dispute and remove these accounts. I made a fraud report with the FTC for fraud and or identity theft.I am disputing the accuracy of the reported item under Section 605B of the Fair Credit Reporting Act. According to this section, negative information such as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX  bankruptcy could not remain on my credit report beyond XXXX years from the date of the event. The item in question is either outdated or inaccurately reported. Please investigate and remove this information from my credit report, as it no longer meets the legal reporting requirements under FCRA Section 605B.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my credit report was pulled from XXXX financial institutions. Those companies that are reporting on my XXXX Credit report are XXXX XXXX XXXX, XXXX XXXX XXXX Exeter Finance LLC/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

As well as XXXX XXXX  on XX/XX/XXXX I have received my own financing from my bank XXXX where they gave me a check for the total amount for the car I was purchasing. I never gave XXXX or any other financial institution any access or authorization to run my credit or get any information since I will be able to provide the finances to purchase the vehicle with the help of my bank. 

Now years later I am seeing all these hard inquires on my credit report without any idea who they were from or why they pulled my credit.
Product: Checking or savings account

Incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly frozen if Wells Fargo suspected a single deposit was fraudulent.
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report on XX/XX/2023 and I noticed multiple inaccurate information that violates my consumer rights. The CRA lied to me by notifying me in writing that these accounts did not appear on my consumer file when in fact they did! as a victim of identity theft and I request that you reinvestigate and permanently block the information below for FCRA violation section 15 U.S code 1681, 15 U.S code 1681c, 15 U.S code 1681s-2, U.S code 623 ( a ) 6 DISPUTED ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to these companies about inquiries that are on my report I in fact do not recognize I had a fraud alert on my credit report due to identity theft I have mailed letters to these companies and requested verification and have not received back yet
Product: Debt collection

I called USCB on XX/XX/XXXX tried to explain to them I never attended a school call XXXX XXXX XXXX. I explain to them that might be mistaken identity or I was a victim of identify theft. I ask them if they can send me to proof of enrollment such as driver license and my high school transcript that is required to attend any school. They lady on the phone told they dont keep such records. She informed this was enrollment fee. I ask for fraud affidavit she refuse to send me one. I explain I can make a police report stating that I was victim of identify theft and I can send that to their office so this can resolved. She explain to me that sending that will no make no difference. Only thing will resolve this account is payment. I ask if made the payment will she be able to send me out fraud affidavit. I went ahead and paid the XXXX balance.
Product: Debt collection

The company didn't provide a signed contract that I owe {$130.00}. 

Also, I was affected by a XXXX XXXX back in 2017. 
LATE PAYMENTS WERE DUE TO THE XXXX XXXX XXXX XXXX OR OTHER CAUSES BEYOND MY CONTROL. ( XXXX ). 

Please see the attached documents.