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

I had a credit card with Children 's Place store chain, via Comenity Capital Bank. I was solicited in the store to save a significant amount off of purchases and earn rewards in purchases in their stores for my children. I have always kept my account in good standing and paid any charges off within the same month I made them. 

in XX/XX/2022, I paid off my last balance with them and had not made any new purchases. Suddenly in XXXX I saw that they had reported my account as being paid late so I logged in to check why. They have been charging me a " Minimum Interest '' of {$2.00} a month but I have a XXXX balance. They can not charge me interest when I do not owe anything. I had not made any purchases. 

I paid the fees once in XXXX because I didn't want to continue to be reported as paying late and I reached out to them via the account messenger. I asked for them to correct this issue and to close my account. I never got an answer back and today I see that they are doing it again, charging me minimum interest fees and late fees when I have not made any purchases. 

today I was able to get someone on the phone, from a overseas call center, who was able to close my account with them. Several attempts to contact them have gone unanswered. This is after they've gotten money from me wrongly from these fraudulent charges and not refunding me. I am filing a complaint because this is a fraudulent money grab on their part and while I'm sure many like me are catching it after paying small amounts, with thousands of customers, this adds up for them.
Product: Credit card or prepaid card

I have a joint account with my daughter on 2 XXXX XXXX credit cards ( one is Car Care and other is XXXX XXXX XXXX   ). I am the primary account holder. My daughter is filing bankruptcy and had to list these 2 on her debt. The company has closed the account which I understand. I want to try to keep my credit intact, so went online to make a payment and they have denied online access. I called Synchrony and explained that I was definitely paying the balances since I am responsible for the debt. They then informed me that they have considered the account charged off. Advised them I didn't want that -- I want to continue paying the amounts owed. They also said I no longer have a " due date '' because of this. I would have to mail in the payments to them from now on. Advised them I didn't have a statement, and they are refusing to send me statements! I told them so I have to continue to send in payments BLINDLY not knowing my balance, what I consider to be a " due date '', or how much of my payment is going to principal and how much to interest. I can call each month, but that gives me no WRITTEN documentation of payments, balances, interest/principal payments, etc. Would this not be a violation of the Fair Credit Bill Act which states that creditors must send statements? Does say within 14 days of due date and they are saying there is no longer a due date, but I feel this is still a violation of this Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received updated copies of my XXXX and TransUnion credit reports. I noticed a collection account on both of them upon review. I filed a response with the CFPB about the issue and immediately received a response from the collection agency. I received letter in mail from them today, XX/XX/2022 and replied immediately stating that what was provided was not acceptable to validate the date. The letter was sent via certified mail with return receipt and is attached for reference. 

As noted above, their claim is invalid based on what they provided to me. 

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. I demand to know who verified these accounts, and the method of verification. 

I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

Again let me repeat, you have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). As you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.
Product: Debt collection

XXXX Original creditor : XXXX XXXX XXXX  Balance details 100 % of this account is paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$140.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payments have been reported on this account.
Product: Debt collection

I open a Credit Card with Bank of America in XXXX. I paid the Debt in  XXXX and closed the account but it is still showing as a delinquency on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX, XXXX, experian written permission to furnish these accounts : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Consumer Loan

The vehicle loan was paid off XX/XX/2016. They reporting on all XXXX credit bureaus as derogatory. Which causing my credit score to go down.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX XXXX {$75.00} XXXX  XXXX - {$140.00} XXXX  XXXX - {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

complaint against : Axos bank, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Acc No. XXXX Ref XXXX The above account will mature on XX/XX/23 ( CD interest XXXX XXXX  for XXXX  month ) for a total interest of about {$44.00}. In order to close the account, I have to pay a bank check fee 0f {$10.00} which means that I will only receive about {$34.00} of interest. 

First of all, I opened the CD account of XXXX  XXXX XXXX ( which was sold to Axos Bank ) and has not signed any agreement with this bank check fee. Secondly, with most banks paying an interest rate of above XXXX XXXX for XXXX  month rate, Axos Bank is taking advantage of the situation and try to hold XXXX with my premium. 

Thank you for your attention.
Product: Checking or savings account

On XX/XX/21 I checked my Bank of America App and it showed a transaction processing for XXXX. I then got a message board and XXXX of your stockholders XXXX XXXX  XXXX XXXX was bragging that she blocked my transaction because she wanted my po box in the XXXX area XXXX area, Can you believe the levels people go to just to get a XXXX XXXX XXXX I became alarmed and checked BOA app and it showed someone had placed a credit of XXXX on XX/XX/21 around XXXX. I then received a email from USPS with the following messaged " We attempted to authorize your credit or debit card payment for the following po box , but the transaction was not successful. " ; there was no reason for the transaction to be blocked because all the funds were in my account. So I now need to know first why are you allowing stockholders/ or stalkers the ability to access customer 's account and this needs to be investigated because I should not have someone who is stalking me, also able to access my banking information regardless if their a shareholder or not. Bank of America needs better banking policies intact to prevent these things from happening to consumers.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was supposed to get certificates of deposits for my birthday but so far haven't from Bank of America. 

IDK who, but they claimed they worked for XXXX XXXX police department and stole my social security number. They said their name was XXXX. 

On XX/XX/XXXX, on my email, XXXX, XXXX stole my credit. 

My XXXX account was illegally/unlawfully moved to XXXX XXXX XXXX the airforce is involved with this I presume and early warning services. I still have yet to opt out of XXXX XXXX XXXX who've falsified my business records. I want to settle with these companies. I've had a DoD employee named " XXXX XXXX, don't know his last name at pines planes library stock me. 

All Rights and Immunities Reserved except for the bad ones. Please but a hold on my account/number and all emails until this gets resolved.
Product: Credit reporting or other personal consumer reports

I had a Bank of America credit card since XX/XX/XXXX with a credit limit of {$20000.00}. I have never had a late payment. I had stopped using this card several years before XXXX. So, I did not expect any charges or statements. 

Somehow XXXX XXXX was able to charge my card without the correct expiration date or security code. Bank of America sent the statement to my old work address, and it was not forwarded to my new work address. So I never was aware of the charge. All of my accounts, savings and checking, were with Bank of America. They were well aware of my home address and email address and could have tried to reach me before trashing my credit score. 

I was unaware of the charge until this spring. I was trying to get insurance for my new home and was denied because of my credit score went from the 780 's to 640 's. In addition, my insurance increased by {$3000.00} annually because of this. As soon as I discovered the charge, I paid it. I asked for proof to be sent to my home address which I never received. Ironically, the BofA employee who took the payment stated that they had my home address on file. 

Attached is a copy of my credit report before the charge-off was paid. The only other derogatory item is a student loan that I co-signed for my niece. She had a few late payments. That loan is now paid off also.
Product: Debt collection

Blitt in gaines couldnt vefity the debr not enough evident i provide idenity theft police report.
Product: Debt collection

I received a Dept Balance of XXXX from Portfolio Recovery Associates , LLC. 

The Dept was charged by XXXX XXXX XXXX. 

The purchases were made outside of the state I live in & I have never had a XXXX XXXX Bank account. 

Please help resolve this issue. 

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

I am a victim of identity theft and I've reached out to Transunion and told them as well but no changes were made.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I ask that the item be deleted to correct my credit report. This issue is overwhelming and I just ask that I can be assisted in any way to help my situation. Its a closed account with {$0.00} balanced but it doesn't belong to me. 
Please apply these laws to my account The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/ 2019, I demanded Experian to send me Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts listed below. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Experian failure to accurately verifies these accounts has hurt my ability to obtain credit. 

In the results of their first investigation and subsequent reinvestigation, they have stated in writing that they have verified that these items are being reported correctly Who verified these accounts? 

They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 

Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 

I have also contacted the collections agency and was not able to get those debts validated by them. 


The unverified items listed below remain on my credit report in violation of Federal Law. they are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) and I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately according to as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 

Name of Account : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX   XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account
Product: Credit card or prepaid card

Inability to make payments on accounts from external.bank accounts. Cancellation of payments and no payment processor. The credit union is not capable of processing payments on accounts only account transfers. Also, I reported fraud on an account ending in XXXX but continued to make payments. Nothing was done except for an account number change. I reported the issues with credit bureaus due to my previous fraud issues and Navy federal told the credit bureaus that I never reported fraud, closed the account, and reported late payments even though payments were made on time and returned due to a navy federal error with processing payments. They should use a payment processor to process payments because I am unable to make any payments to them.
Product: Credit reporting or other personal consumer reports

I have previously submitted disputes regarding these inaccuracies, and Experian has not provided any evidence or documentation used in the investigation but all accounts came back verified. As such, I request that Experian conduct a thorough investigation into these discrepancies and correct any and errors promptly, in accordance with my rights under the FCRA, I request you delete the following accounts due to clear incorrect reporting. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 a and b, I am exercising my right to dispute inaccurate or incomplete information in my consumer report. 

Upon reviewing my credit report, I have identified the following inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid in settlement but Experian is reporting it as a charge off month to month with a written off balance which is a clear violation of the FCRA. 

XXXX. XXXX XXXX The balance is reporting as {$4500.00} but the past due amount as of XX/XX/2024 is reporting as $ XXXX Acct # XXXX which is a clear violation of the FCRA XXXX 

XXXX. XXXX XXXX XXXX XXXX in balance, and payment history Acct # XXXX  Accoount showing a charge off amount of {$12000.00} and past due amount showing {$8900.00} which is a clear violation of the fcra XXXX. XXXX XXXX XXXX- This account is paid and reporting month to month as a charge off which is a clear violation of the FCRA Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the resolution of this re-investigation. I've also attached my previous dispute that was mailed in and never addressed
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of significant concern regarding persistent hard inquiries on my credit report, as referenced in your recent communication under Complaint ID Your Complaints XXXX. While I appreciate the acknowledgment of an internal fraud resolution that can be processed by the respective creditor, it is disconcerting that these inquiries were conducted without obtaining my explicit consent.
Product: Student loan

I applied for the new XXXX plan in XXXX of XXXX. My new payment did not show up on my account for well past my first due date of XXXXXXXX. When I got the updated bill it was not sent to me with XXXX weeks notice although it was back dated to make it look like I had received it earlier. I then received correspondence saying my XXXX plan was approved and my new payment was {$290.00} due XX/XX/2023. However my account still showed my old payment of {$360.00}. 

I sent several secure messages during the time that went unanswered for weeks. I finally called XX/XX/2023 and waited on hold for over an hour before I spoke with a rep, XXXX. She initially said my XXXX plan payment was due on XXXX. But my old payment was still due in XXXX. I asked her to investigate this because thay made no sense when I had applied for the new payment plan in XXXX. 

After a few minutes she came back on the line to let me know that they will put my account in a admin forbearance at this time and my first payment will not be until XX/XX/2023. However my account now shows my new payment due but my account is overdue for my original amount. I have once again sent several secure messages without response. 

My account is accruing interest even though this should not happen while on the XXXX plan. I do not want my credit report effected due to the error in processing my loans.
Product: Debt collection

this company continues to violate my federally protected consumer rights, even after I sent in a dispute letter to the Bureaus. 
here listed are 12 violations they have committed again my rights as a consumer. 
And also violating my right to privacy as a consumer, exploiting my medical records ( hippa violation ). 
I will be seeking monetary relief and deletions of my information from their database.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed for bankruptcy chapter XXXX, in XX/XX/XXXX. The bankruptcy was dicharged XX/XX/XXXX. I have my paperwork with me for proof. XXXX, XXXX have been reported with my bankruptcy. Although, Experian has not report on my credit report for my bankruptcy. How is that two credit bureaus do report for my bankruptcy, but not experian makes no sense. First, I called and I was told they have not been informed of my bankruptcy, so I mail in the diacharged papers of my bankruptcy chapter XXXX called and confirmed that they have received the paperwork and will proceed on with what needs to be done in the process. Call a month later still has not been resolved or has been reported on experian of my bankruptcy, call the following month still experian has not updated my credit report for bankruptcy ask to speak with a supervisor, I advised bankruptcy is a publi record and they can see I have filed for bankruptcy chapter XXXX  she confirmed that they were able to find my name on the public record for chapter XXXX. They gave me an excuse of well we get a a bundle of people of that file bankruptcy so we must of missed your file, and when they were aware of my bankruptcy my file was already closed but they were never informed I went through bankruptcy it does not make sense!!! At all its horrible not accepting they drop the ball at all, just admit we drop the ball and made a mistake we will fix it but no now they want me to call the courts and find out how they reported or file my bankruptcy im not doing their job for them its been five months experian is not willing to help me giving me the run around no phone etiquette at all!!! Not willing to help!!! They have access to the court records!!! This is bad reporting and obviously dont want to correct their mistake!!!!!!! I will contact my lawyer is this is not resolved i have called for the past week constantly and no help at all just giving me so many excuses
Product: Credit card

Barclays sent me a letter dated XX/XX/year> that they accessed both my accounts a higher late fee or returned payment fee. The letter did not provide a time frame or a dollar amount. In the letter they said to call for more information. I tried to go onto my online account but could not log in. When I called and the automated system could not find my account. I called back later and talked to a representative. They said because my account had been closed for 6 months, I could no longer access the online account. I told them my account has been closed for longer than that and that I was just in my account last month. They kept putting me on hold. Then I asked how can I pay my bill if I can't access my online account. They told me to I could call them to make a payment. I told them to remove my paperless status and send me a bill. I have not receive a bill for either account. They keep sending me emails saying I owe but they won't send me a paper bill so that I can verify the credits they say I am entitled to. I'm uncomfortable just calling them and making a payment without written confirmation of what I owe.