23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} This account is similarly being reported as a charged-off account with a balance due. As with the other accounts, please provide proof of charge-off or delete the negative payment status. If no such proof is available, I request that you update the balance to {$0.00} in compliance with 15 U.S.C. 1681i and 15 U.S.C. 1681c-2 regarding the accuracy and integrity of information reported on consumer credit reports.
Product: Credit card or prepaid card

In XX/XX/XXXX, I paid off a promotion plan in full with the exact amount of XXXX ( see statement ). The entire amount should have been applied to the promotion. Instead, Comenity applied all but a certain amount toward another promotion plan. This caused the expiring plan to go past the expiration date with a balance. The account suffered the added balloon finance charge. When I noticed that the balance did not go down, I contacted Comenity to resolve the error. At first, it seemed like Comenity would strive toward doing the right thing, Instead, they reneged on an agreement to assist me and refused to make it right after several attempts and pleas on my part. I was left with no choice but to contact my attorney. The attorney attempted to reach out to Comenity twice and twice Comenity ignored my attorney. It wasn't until recently that Comenity sent a letter to my attorney stating they didn't know who I was. I contacted the bank on XX/XX/XXXX to find out what they needed and once again Comenity was not helpful. XXXX of customer service transferred me to XXXX in another department, who transferred me back to customer service where XXXX took the call. I explained for the third time what I needed and XXXX informed me that my account was frozen because an attorney contacted them. When I asked XXXX why was that the case, his glib reply was, " because that's how the bank works. '' when I asked XXXX for the previous year 's statements, XXXX proceed to assume I didn't know what I was talking about when I informed him that the statements were not visible on the site. XXXX proceeded to tell me to write a letter to their XXXX XXXX XXXX he had the statements on his screen. I still don't know why they could not identify me. According to my attorney, Comenity Bank is the worst company to work with to get customer resolutions.
Product: Money transfer, virtual currency, or money service

I had unauthorized charges over {$400.00} doing XXXX XXXXXX/XX/year> I tried to resolve but was unable to and after a couple days of trying to get it resolved my account was immediately closed without further notice
Product: Credit reporting or other personal consumer reports

I am attaching a new FTC report containing 5 fraudulent accounts which were previously blocked due to FCRA 605B credit block. Equifax removed these accounts placed them back onto my account removed them again then placed them back on with new account numbers new report days like something dont seem right about that! I got two accounts disputing internally with Equifax that I didnt authorize them to dispute which is giving them leverage to not remove but XXXX XXXX in which I told the customer service lady not to dispute being I was going to file a FTC report on them. She just took the liberty to dispute them which is not right. Maybe she did it cause I only pay Equifax to monitor my credit and these companies pay them XXXX to report on their platform I have no problems with XXXX or XXXX but Equifax be cheating! I guess the next administration after XXXX will hold them accountable
Product: Debt collection

I have disputed three medical debts with this company, twice due to the fact that these debts do not belong to me, once XX/XX/XXXX also inXX/XX/XXXX. This company has failed to respond to my letters that i have asked for a validation of debt numerous times.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( XXXX  ) clearly states that a failure to investigate these items within XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX XXXX, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally lodge a complaint against Experian regarding unauthorized credit inquiries that have appeared on my credit report. Despite my efforts to resolve this matter directly with Experian, the issue remains unresolved. 

The following unauthorized inquiries are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were made without my knowledge or consent and are fraudulent. I have provided Experian with all necessary documentation to demonstrate that I did not authorize these inquiries, and I firmly believe they are the result of a data breach. 
It is important to note that my credit profile was frozen at the time these inquiries occurred, further underscoring that I could not have authorized them. Despite this, Experian has failed to take appropriate action to remove these fraudulent inquiries from my credit report. 
Experian 's refusal or failure to investigate and resolve this issue has caused me undue stress and potential damage to my credit profile. I am requesting that the CFPB investigate this matter and ensure that Experian complies with the Fair Credit Reporting Act ( FCRA ) by removing these fraudulent inquiries and improving their processes for handling consumer disputes related to unauthorized activity. 

Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your attention to this matter. I trust the CFPB will act to hold Experian accountable and protect consumers like me from unauthorized and fraudulent credit reporting practices. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for and received a Payoff loan in XX/XX/XXXX in the amount of {$34000.00} ( after financing fee ). I made regular monthly payments of {$1100.00} until XX/XX/XXXX when the global pandemic happened, at which time I suffered a financial hardship and was unable to make payments. My principal balance at this time was {$19000.00}. I contacted Payoff and was granted a skip payment so I would not be responsible for paying the loan nor getting further under water with accruing interest. After a few months of skip payments, I pursued a loan modification that reduced my payment to {$25.00} for three months ( XXXX - XX/XX/XXXX ). When I made that payment in XX/XX/XXXX, my new principal balance was {$19000.00}, {$25.00} less than what it was nine months earlier. I still was not in a position to resume payments of more than {$1100.00} per month so I then went through a several month process of modifying the loan to reduce the payment to {$820.00} by extending the maturity date. This occurred in XX/XX/XXXX. I then resumed monthly payments of {$820.00} in XXXX and eventually noticed that my XXXX, XXXX, and XXXX payments totaling {$2400.00} weren't lowering my principal so I reached out to Payoff and they told me that my payments were going solely to " accrued interest. '' This is the core issue. Never was it disclosed to me that interest would be accruing when I began the skip payments and loan modifications. Never was it disclosed to me how much interest was accruing and that my resumed payments would go solely to said interest. I still have seen no accounting nor statements detailing such accrued interest and I find it odd that the amount of accrued interest is conveniently the total of 3 of my monthly payments. This feels like robbery to me. My Truth in Lending document states that the cost of my credit for this loan was to be {$6100.00} and I've already paid them more than {$6700.00} in interest to date. I believe they incorrectly and illegally charged me interest when they said I would not be subject to interest, they never disclosed any information to me via statements or through my customer portal, and despite my attempts to resolve the issue directly, they will not take any action.
Product: Vehicle loan or lease

XX/XX/XXXX purchase a XXXX XXXX XXXX from XXXX XXXXThe loan was service by Santander Consumer USA. XX/XX/XXXX I was picking up the vehicle, and there was a problem... and I left the vehicle at the dealer. After contacting Sandtander I was told the dealer started the loan unwind but never complete it. I have contacted both Sandtander and the dealer several times and to date no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been constantly trying to get one closed item updated on all 3 credit reports. Account XXXX XXXX XXXX XXXX shows that my account was Paid as a chargeoff in which account was not a Chargeoff. I even contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX and they also stated that it was not a chargeoff. They stated account was paid in full as of XX/XX/XXXX. On my credit report it shows as chargeoff with balance of {$540.00} being owed and that's not true. My payment history is not even showing on my report making it seem like I've never made any payments within the last 6 months before paying off account. XXXX XXXX XXXX also mailed me a copy of letter stating it was paid off in full. I will attached copy of letter for proof.
Product: Money transfer, virtual currency, or money service

The company has tried to reset my account password multiple times, even I did not request it. 

I received multiple emails asking for the verification code, I ignore it because I thought it was a Scam. 

The day after the incident, I received emails about my account being temporarily limited. I have provided the details needed. 

After that, they send another email asking for more information, then I provide more information and then I have received it again my account being resetted without me requesting it and then they Permanently limited my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Debt collection

Last month, ERC reported to the credit reporting agencies that I owe about {$2500.00}, a debt that occurred as a result of identity theft/fraud. The original creditor listed for the debt is the company XXXX. This debt was initially reported under a company called XXXX XXXX in 2018 and it was removed from my credit report after I disputed it and provided information to the credit reporting agencies regarding the identity theft. Now, two years later, the debt has been re-reported and placed on my credit account - this time, under ERC. I received no notice of this and only found out after it triggered a credit report alert. I then once again disputed the account with the credit reporting agencies and the original creditor, however, I was advised to contact ERC as they currently own this debt. After multiple calls and being transferred after long wait times, I sent ERC an official request via certified mail for verification and validation of the debt per FDCPA, which states debt validation should include account statements from original creditor, payment history with the original creditor or a copy of the signed contract between the original creditor and debtor. 15 U.S Code S1692g. validation of debts 5 ( b ). The delivery of the letter has been confirmed via the USPS but I have not received any response, and the derogatory information continues to remain on my report. 

The original issue is that I had a cellphone on my mother 's XXXX account and someone was able to open two separate lines. At the time, our home was under total re-construction due to a main water pipeline that bursted in our home, making the home uninhabitable. My insurance company had relocated us to a hotel for a month, then an apartment close to my job in Maryland. Because of the logistical challenges, we weren't regularly checking mail in Virginia and therefore, did not see notices coming to my home regarding the two phone lines. By the time we discovered the large balance on the account and what it was the result of, it was too late and the account was on its way to collections. The home had contractors and builders coming in at all times of the day for several months so anyone could have had access to my mailbox, as well as sensitive paperwork that remained in the home even during the construction. 

It is also important to note that my name was only on the account for Caller ID purposes, but not as a primary account holder, therefore, I had no financial obligation to XXXX. I am attaching a copy of the only bill we received from XXXX and it is not under my name. This is why I requested from ERC proof of a contractual agreement between myself and XXXX. But I have not received any response to this request. Furthermore, we were not made aware of any debt collection efforts beyond the XXXX bill we received until after it was placed on my credit report. Nor did I receive any notice that it was being reinserted in my credit report by ERC.
Product: Debt collection

I have a charged off credit card account from Citibank that was placed with XXXX XXXX for collection. The last letter I received regarding this account is dated XX/XX/XXXX from XXXX XXXX offering a resolution of my account for a total of {$1300.00} split into XXXX payments of {$110.00}. I had not received any correspondence regarding the account since that letter so I assumed that my account was still with XXXX XXXX. In XX/XX/XXXX I sent a check for the full settlement amount that was offered along with a letter clearly indicating that I wanted to accept the settlement and have the charge off removed from my account. I was under the assumption that if these conditions were not acceptable then my check would be returned to me. Instead, the check I wrote payable to XXXX XXXX was forwarded to Citibank and applied as a regular payment to my charge-off balance. I received a letter dated XX/XX/XXXX from XXXX indicating that my account was no longer being handled by this company and that my payment was forwarded to Citibank. I contacted Citibank and they are refusing to accept the settlement payment I sent XXXX as a settlement for my account. The first time I called, I was told that my settlement check was applied as a normal payment and that my account still has a balance due of {$3100.00} and that no settlement offer was available. I called again and was offered a settlement of {$1500.00}. I explained that was not possible and was then offered {$1000.00} which I stated was still not possible. We ended the call and I contacted a local attorney through my legal insurance. The lawyer told me to write a letter to Citibank explaining everything from why I fell behind on my account to the situation with the settlement check. I did that and the letter was sent on XX/XX/XXXX but I have received no response. This is why I decided to file a complaint. I feel like both Citibank and XXXX XXXX misrepresented the handling of my account. Why wasnt I notified by XXXX XXXX that they were no longer handling my account? Why didnt Citibank notify me of this since they are they original creditor? If my account was no longer with XXXX then I assumed I would have been notified at the very least by the new company that bought the debt. Was the debt ever sold? Why did Citibank place the debt with XXXX and then XXXX place it back with Citibank? I have included copies of all of the documents mentioned. Please help me in understanding the answers to my questions.
Product: Debt collection

This certain collection agency is reporting the same collection twice on my credit as a collection. It is for the same account in the same collection agency, but I only owe half of the amount. I have tried to call and settle this account many times but they will not work with me unless I pay both accounts this has been affecting my credit for over a year and I am not sure what else to do. I have also tried to dispute it in the past, but it didnt get fixed.
Product: Debt collection

I have been consistently attempting to get this company to show proof, validation of my signature showing that I am indeed responsible for this debt. They have failed to comply on multiple attempts in asking for validation. The company continues to send documentation stating that debt, has been verified and showing it's my debt, but no supporting documentation has been sent to me via standard mail stating that this belongs to me. 
I am requesting a further review and if proof can not be provided within 30 business days I am demanding that the account under my credit file be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my Capital One credit account due to the company 's unwillingness to help me with a dispute I have with an online retailer. 
After the account was closed, the online retailer credited to the closed credit card account as follows : XX/XX/XXXX {$160.00}, XX/XX/XXXX {$29.00}. To get a refund, I had to send a letter, dated XX/XX/XXXX to Capital One. I advised them we no longer had a " relationship '' and to refund the money to me. In addition, I asked them to pay ME late fees and interest IF they could not make payment within 30 days of receiving it. They sent me a check for {$190.00}, dated XX/XX/XXXX. I did not receive it until XX/XX/XXXX. They were late paying me, for I am entitled to interest at 16.7 % as well as late fee of {$35.00}. Total due me is {$37.00}. If I had paid them late, I would have gotten a {$35.00} charge, and if I did not pay my monthly balance in full, the interest rate on the account was 16.71 %. I should be given the same terms when they fail to pay on time.
Product: Debt collection

Conn 's HomePlus store is trying to colectivo a debt or late payment of a installment loan. They call about 6 to 7 times a day. First call is always at XXXX. They are really bothering my home with so many calls. I told them to stop harassingme and my home with so many calls. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

A lender, XXXX XXXX Loans, is attempting to get my credit bureau. They attempted the Trans Union report. Trans Union is stating that XXXX received my credit bureau and they put a inquiry on my report. Per XXXX, however, they did NOT receive my CB from Trans Union as they were told there is a security freeze, which there is not. Trans Union was XXXX help, just telling me that XXXX got my credit report, which they did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. there is a credit collection from MIDLAND CREDIT MANAGEMENT supposedly opened on XX/XX/22 on my account that has been settled & removed due to the reasoning being " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravins ( mo ) 281 SW 715, 719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. '' This account has been sold to another company ( MIDLAND CREDIT MANAGEMENT ) and now the collection is reappearing after it has been removed in the past from original creditor XXXX XXXX XXXX XXXX XXXX XXXX 

The credit bureaus have not accurately removed this account due to false information being reported. 

This collection needs to immediately be removed.
Product: Credit card

I rented a car from XXXX, authorized additional insurance for 5 days then canceled it and XXXX charged my XXXX credit card. XXXX will not reverse the charge. I did not authorize any charges after 5 days.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have this issue when it comes to leaving my home, I end up having XXXX XXXX. I have been working on getting better, so one day I attempted to go to the store. It didn't end well as I was rushed to the hospital, which I ended up being held for weeks.XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since I was on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I had no access to my belongings. Once I was released from the hospital is when I found out that my phone and wallet were both missing. Then when I finally got home is when this nightmare began, my chime bank account was slowly bled, almost everyday for weeks, in the sum of {$3000.00} after atm fees and whatever else. I changed my chime and email passwords right away, as they were able to get into my account and transfer money from my savings and everything. I have disputed this with chime, as well as given them my doctors note ( that stated the length of my hospital stay ), but they have still denied me twice, once was my rebuttal.This is unfair, and wrong on so many levels. I'm a single mom of XXXX going through XXXX XXXX XXXX XXXX XXXX. This is not helping. There is literally no one in my life aside from my children. My family is either passed on, on lives across the country, the only documents they show me for denial is my doctors note and the " intake for dispute '' that I never even got to finish. The phone call got cut off. I waited for the representative to call me back. But she didn't, I ended up getting an email that said " your dispute had been filed '', so I thought I was all set. Only to find out that when they sent me those documents, she answered questions for me, or wrote " no member response " .. how was I supposed to respond when I wasn't even asked? XXXX said I was protected by their XXXX liability, especially since XXXX XXXX XXXX XXXX  I will be contacting them again next. Chime, please make this right. I was really enjoying banking with you guys. I dont understand how there can be no error? The footage should make that clear. I never even use an ATM! I don98 % of my shopping online since I can't leave my home. This isn't right at all. You guys need to actually investigate considering the first time it hadn't even been 24 hours before I was denied.