23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to file a formal complaint and express my deep concern regarding the handling of an unauthorized transaction on my account, denial of my claim, and unfair treatment by your institution. 

I discovered an unauthorized transaction on my Comenity Bank account for a purchase at XXXX the XXXX XXXX. I immediately opened a claim with Comenity Bank to dispute the transaction, as I did not authorize or make the purchase in question. 

However, to my dismay, Comenity Bank denied my claim and held me responsible for the unauthorized balance. This decision is unjust and unacceptable, especially considering the circumstances of the transaction : 1. **Unfair Denial of Claim : ** Comenity Bank denied my claim without providing clear evidence or conducting a thorough investigation. The reason given by your supervisor, that my social media photos showing me wearing a ring were used as evidence against my claim, is highly discriminatory and violates my consumer rights.

2. **Lack of Evidence and Investigation : ** I demand that Comenity Bank provide clear and concrete evidence of their investigation into the unauthorized transaction. Merely referencing my social media photos, particularly ones from years ago, as grounds for denial is insufficient and arbitrary.

3. **Retaliation and Account Blocking : ** Furthermore, I believe that Comenity Bank 's decision to block all my accounts without valid reason is retaliatory and punitive in nature. As a loyal client of Comenity Bank for XXXX years, I have always provided identity verification when required and have never had issues until now.
Product: Credit reporting or other personal consumer reports

1. Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be the XXXX complaint I have filed with XXXX and all attempts to reach them by phone have been unsuccessful. Each time the credit company closes my investigation with out changes. I have attached all proof of payments that are consistently being ignored. I have attempted to fix these issue for approximately XXXX mos and am now unable to file any disputes with the credit company online. This has now resulted in me losing my financing to purchase my current home, as well as impeding eviction. 
Also due to credit issues, I lost potential employment and bar admissions. Current issues : XXXX is reporting correctly, XXXX is not and has put prior derogatory reports back onto my credit. 

1. XXXX XXXX XXXX balance updated XX/XX/XXXX as charge-off was paid in full XX/XX/XXXX 2. XXXX XXXX XXXX Updated XX/XX/XXXX labeled as charge-off paid in full XX/XX/XXXX 3. Indigo payment updated XX/XX/XXXX labeled as charge-off Paid in full XX/XX/XXXX 4. XXXX XXXX updated XX/XX/XXXX labeled as charge-off Paid in full XX/XX/XXXX 5. XXXX XXXX XXXX ( loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) updated XX/XX/XXXX was in deferment from XX/XX/XXXX to XX/XX/XXXX ( reported incorrectly as delinquent and sent to collections. See attached letter 6. XXXX XXXX XXXX updated XX/XX/XXXX, Dealership failed to fully pay off lease, I returned the vehicle, got another lease and was assured this would be corrected. See Attached. 
7. XXXX XXXX reports and amounts are disputed and currently in active litigation. 
8. XXXX XXXX acct XXXX updated XX/XX/XXXX as collection account balance " unpaid '' Account was paid in full XXXX. XXXX XXXX acct XXXX active collection updated XX/XX/XXXX paid in full XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report the account listed as XXXX XXXX XXXX XXXXXXXX incorrectly. There are several inconsistencies within the account itself and the information being sold from XXXX is incorrect which has now lead to a civil dispute between the parties. XXXX, XXXX, and Equifax do not have access to my personal financial records and therefore can not legally or lawfully verify information. The only reason each credit bureau continues to state the information is verified is because of the financial gain that each company gains. XXXX, XXXX, and Equifax are domestic profit companies which means they exist solely to make money. These companies buys information from vendors they rely on to verify information but this information can not be verified unless the consumer verified it. I have done no such thing and no reasonable investigation has been done. There are several inconsistencies within the account like date opened, number of months, high credit, last reported. comments are incorrect, date last active, and date of last payment. Since these items are not the same how in the heck are they supposedly verifying one account three different ways. It is so obvious they are not actually doing an investigation into my claims. Also these companies are clearly ignoring law and when sued denying any wrong doing like XXXX that I am currently in litigation with and their attorney has denied all my claims when clearly the evidence is in their face. These companies can not verify any information because these are NOT people but corporations created to make money by selling information.
Product: Debt collection

I have been continually contacted by a collection company about a supposed debt owed to a company they call XXXX ; a company I have never heard of, read about, talked to or done business with. 
I believe it is an attempt to extort funds by threats with no legitimate basis in fact. 
The following is all the information I've been given : Re : XXXX Creditor : XXXX XXXX - Chargebacks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting XXXX act # XXXX violated my rights. 15 U.S.C. 1681 section 602 A. states I have the rights to privacy 15 U.S.C. 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

My home was appraised two years ago for {$250000.00} and my tax appraisal is {$240000.00} and is based on a XXXX so its about 30 % lower than the actual value. I applied for a refinance with my current lenders XXXX US Bank XXXX mortgage department who kept sending me advertisements in the mail and they arranged for a man to appraise my home. The first phone call he was very rude, short with me and he wasnt helpful or friendly at all. He told me he had one time and that was it so I took that time to have the appraisal. When he got here I tried to talk to him and he basically told me to be quiet and go in the house and he would let me know when he was ready to come inside. I tried to talk to him several times and he refused to even acknowledge that I was there. He didnt let me tell me him about my property about any upgrades nothing. Then he came back with an appraisal in this housing market that was less than my appraisal from two years ago. He didnt get the square foot correct and made numerous other errors. He compared my home in the comparisons to a an 800 square-foot house with more acreage but all wooded and he wouldnt reconsider even when I sent him more comparable comps. My home is almost XXXX square feet and is fenced and cross fenced and has 11 horse stables and a huge indoor riding arena. It also has an indoor pool with a building larger than my home that he said had no value. The 800 square foot home sold for {$320000.00}. I told the bank right after he left of my belief he was XXXX  and XXXX against a person of XXXX with the bank. I think he saw I was a person of XXXX and therefore lowballed me on my refinance. The bank said they tried to get him to reconsider and he wouldnt and I can not believe that they would allow that to happen in this day and time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I was going to apply for a vehicle and I looked at my credit report. there were many items on there that doesn't belong to me including addresses. 
I wrote to XXXX, XXXX and Experian. I made them aware of the fraud and inaccurate accounts. I haven't received a response as of yet this is a critical situation. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. 
I HAVE ATTACHED MY FTC REPORT # XXXX WITH FOLLOWING INFORMATION The following personal information is incorrect. previous addresses- XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX NY XXXX THE FOLLOWING INQUIRIES IS FRAUDULENT - XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE FRAUDULENT XXXX XXXX XXXX - ACCT XXXX XXXX XXXX XXXX - ACCT # XXXX *XXXX XXXX -ACCT # XXXX *XXXX XXXX- ACCT # XXXX PLEASE ADVISE IM ATTACHING MY STATE ID WITH MY SSN CARD AND PROOF OF ADDRESS, MY LETTERS TO THE AGENCIES WITH THE FTC REPORT AND I WILL ALSO MAIL ALL OF THEY ABOVE PRIORITY TOMORROW ... .SO THEY CANT SAY THEY DONT HAVE IT OR CANT IDENTIFY ME THANK YOU.
Product: Mortgage

XX/XX/XXXX my husband, XXXX XXXX, got a call from XXXX from the XXXX XXXX XXXX XXXX, XXXX. The transcription of her message is attached below under document name " XXXX. '' Where she states that there are only 2 days left for my mortgage LoanCare XXXX to make the payment otherwise my insurance policy will cancel. 

After seeing the transcription of XXXX 's message, on XX/XX/XXXX, I gave her a call where she told me the same information and I asked her if she would be on a XXXX way call with me, her ( property insurance ), and the mortgage company, while my boss XXXX XXXX would also listen to the call as a witness. XXXX agreed and we called the mortgage that same day. During the call as also stated in XXXX XXXX 's letter attached below as " XXXX '' the mortgage company was to overnight the payment on XX/XX/XXXX so the insurance could get it by the deadline which as stated earlier was XX/XX/XXXX. After the mortgage company agreed to process the payment we asked for payment confirmation in form of an email to be sent to me, XXXX XXXX XXXX, and XXXX from the insurance company. They said they aren't able to email anything, thus we asked them if they had fax. The mortgage company at first agreed to fax the confirmation of their payment to insurance but after keeping us on hold refused and said they can't email or fax any confirmations of payment. 

XXXX did not trust that the mortgage company did actually order to overnight the payment and urged me to pay {$800.00}. To be safe I did send them the payment, see confirmation of my payment below as " XXXX. '' After which XXXX, XXXX 's assistant in writing told me that they would issue me a refund once mortgage processes their payment to the insurance. Here is XXXX 's confirmation attached as " XXXX. '' On XX/XX/year>, today, the payment is due on my property insurance and I got an email from XXXX stating that they still haven't gotten payment from the mortgage company, see attachment called " XXXX ''. 

I have been making my payments to LoanCare XXXX on time every month for a year. I have never had a single late payment. In the statement attached below under file name '' MonthlyStatement_LoanCareXXXX '' you can see that {$610.00} that I pay every month should be dedicated towards my tax and insurance coverage. However, it is already XX/XX/XXXX the payment from mortgage would already be considered late, and they still haven't paid. Because of them I could've lost my insurance policy all together. 

The mortgage company is holding on to the money I have been sending towards my insurance and failing to pay it. I contacted the mortgage company again today ( XX/XX/year> ) and they said the payment will be overnighted to come XX/XX/XXXX, but that is too late and way past the deadline. I have a documents attached below showing that the deadline was XX/XX/year>, the document is called " XXXX ''. I asked to see their document that shows XX/XX/XXXX as the deadline, as all my documents show XX/XX/XXXX, but they failed to email or fax it to me either.
Product: Mortgage

My mortgage service transferred on XX/XX/XXXX from XXXX XXXX XXXX  XXXX XXXX # XXXX ) to Mr. Cooper Mortgage XXXX XXXX # XXXX ). 

Upon review of the transfer, I became aware that XXXX XXXXXXXX XXXX had placed lender based insurance on my property and charging my escrow account {$1900.00} I provided proof of insurance to both mortgage servicing companies on XX/XX/XXXX. 

On XX/XX/XXXX, I called XXXX XXXX XXXX  and was told that Check # XXXX was written on XX/XX/XXXX and mailed on XX/XX/XXXX, and that I should see it deposited in my escrow within 30 days after approval. 

On XX/XX/XXXX, at the 30 day mark, the funds were not deposited. Having both companies on the phone simultaneously, I was told it should actually take 4-6 weeks after approval, and to check then. 

On XX/XX/XXXX, after the 6 week mark, the funds were not deposited. Having both companies on the phone again, I was told they will look into it and could take up to15 more days. They also stated that they would 'expedite ' the issue and should have results sooner. 

I have asked on XXXX, XX/XX/XXXX, and XX/XX/XXXX for a letter/email, but still have not received any documentation corroborating their statements. 

The mortgage transfer has now passed the 90 day window that companies are legally required to complete transfer and the escrow money is still missing. 

I have spent almost XXXX hours over the last 3 months dealing with this problem with no resolve.
Product: Credit card or prepaid card

On XX/XX/2022 I purchased a toilet from the XXXX XXXX website XXXX. The cost of the toilet plus the delivery charge was {$130.00} and the charge was billed to my Capitalone Credit card with numbers ending in XXXX. 

The toilet I received from XXXX was different from the one I ordered and did not match the description, measurements, or photos. The toilet I ordered was supposed to be XXXX inches from the floor to the top of the bowl NOT INCLUDING THE SEAT. But in the photo I took, you will see that the toilet I received is 17.5 inches high and this is WITHOUT measuring the seat. Also, the toilet I ordered was supposed to be 33.5 inches from the floor to the top of the toilet tank. But you will see in the photo I took, the toilet I received is 32.5 inches from the floor to the top of the toilet tank. I did not catch the error until my plumber installed the toilet and I contacted XXXX XXXX to ask them for help in resolving their error of sending the wrong toilet. I asked for a refund or store credit but the company 's customer service agents disconnected me multiple times during the chat process and didn't return my email messages. 

Because CapitalOne does not have a process when I can file an online complaint and because I want to save money on postage by sending letters through the mail, I would like to use this platform to officially file a dispute for the {$130.00} charge since I did not receive the item I ordered and paid for.
Product: Debt collection

I answered the phone call and when I explained that the car is actually my sisters and she 'd be the XXXX to contact for payments. The collector yelled at me in an extremely aggressive manner that he 'd be calling me again and hung up before I could finish explainin I 'd call her to see what was going on. I feel extremely attacked for aggressive tone of the phone call.
Product: Credit reporting or other personal consumer reports

This was my 11th complaint already and I only NEED these four items removed from my Experian and XXXX credit reports, and that's what I need, the REMOVAL of these items I listed in this complaint. I have listed these items in my previous complaint dated XX/XX/XXXX and XX/XX/XXXX but neither among the items were removed by the Credit Bureaus. This time I am earnestly hopeful that the Experian and XXXX Credit Bureaus will remove this items that I know were not mine nor was opened or authorized by me : EXPERIAN : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

For a minimum of XXXX years I've been unable to log into myequifax.com to review my Equifax credit report. I enter login credentials correctly, do not use a XXXX, and have no trouble logging into other sites, but XXXX ALWAYS prevents access to my account. 
Spoke with Equifax customer service reps countless times, usually they send me a special link to get into my account, and tell me that fixes things. But every time, I can get in that once, but thereafter XXXX prevents me from logging in again, just as before. Changed passwords many times, sent copious materials by mail to authenticate my identity per Equifax ' request. Done everything Equifax suggested. Nothing has worked.
Product: Credit card

I have an account in XXXX. I pay it each month as a direct charge to my checking account. My American Express card is being charged {$30.00} by XXXX. I started a XXXX dispute today as the first one was never credited and the charges have continued. I have contacted XXXX and after HOURS they found the duplicate account and I have being charged since XXXX using an American Express card that expired in XXXX. I am frustrated that American Express continued to allow XXXX to charge my account each month with an expired card, refused my first dispute and have caused me to spend hours and hours resolving this issue.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion and XXXX Credit Bureaus. In XX/XX/XXXX, a debt collection company XXXX XXXX XXXX XXXX filed a credit report in my credit record with the credit bureaus in error. It was an error because I was a victim of an identity theft in XXXX, when someone residing in the XXXX XXXX XXXX, where I never lived, opened a Phone account in my name, at a state which I never lived. When that account was opened, the phone company failed to verify the address of the fraudster from a government issued ID ; so bills in my name were mailed to an address in a state that I never lived in. I filed a dispute with XXXX, XXXX and TransUnion. XXXX did an investigation and accepted my dispute. To my utmost disappointment, TransUnion and XXXX did not honor my dispute, probably due to suboptimal investigation. TransUnion dropped my credit score from XXXX to XXXX, thereby willfully damaging my decades of exceptional credit history. And XXXX also dropped my credit scores into the XXXX. 
On XX/XX/XXXX, I filed our complaint against XXXX XXXX XXXX XXXX to the Consumer Protection Financial Bureau ( CPFB ), which reached out to XXXX XXXX XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX informed CPFB that they now acknowledge that I was a victim of identity theft, and that they have requested that all three credit bureaus remove this credit report from my credit record. XXXX XXXX XXXX also sent me an email stating that they have closed this credit and that they requested all credit bureaus to delete it. 
XXXX has restored my credit scores to XXXX. But TransUnion has stubbornly declined to restore my credit or remove a history of negative report from my credit record. Same with XXXX. So, I am filing this complaint before getting my lawyers involved.
Product: Payday loan, title loan, or personal loan

I applied for and was approved for a Lending Club debt consolidation loan, which was funded on XX/XX/2021. There were two creditors that were supposed to be paid off as a result of my Lending Club loan, XXXX XXXX XXXX  and Proper Funding. The XXXX XXXX debt was paid off promptly. The XXXX XXXX loan remains unpaid almost a month later. While I understand that the actual PROBLEM with Proper Funding not getting the payment may not be Lending Club 's fault per say, Lending Club has continued to refuse to remedy the situation by stone walling me when I contact them or offering different explanations or by giving me additional periods to continue to wait for Prosper Funding to receive a payment that has been pending now for almost a full calendar month.

Lending Club COULD have chosen to stop payment on the check, and deposited the funds directly to me so that I could pay the creditor, but instead I get a literal song and dance. I keep getting told I need to wait an additional length of time, even though I was initially told that once 14 business days had passed that I could open a process with them and that within 24-48 hours thereafter the problem would be addressed in the manner I spelled out above ( not the case at all I have found ). 
The bottom line here is that I am now being charged interest on a loan, and about to make my first payment on that loan, while at the same time I am being denied the RIGHT TO RECIEVE MY LOAN PROCEEDS OR TO HAVE THEM APPLIED TO MY SELECTED CREDITOR AS SET OUT IN OUR INITIAL LOAN AGREEMENT. 
This is clearly an intolerable situation which has begun to cause me personal financial harm. Lending Club needs to do the right thing and fix the problem immediately, it doesn't matter why it has happened, it just needs to be fixed. 
I would have preferred that Lending Club taken the initiative and done the right thing without me having to complain or having to be prodded to do the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXXXXXX XXXX XXXX XXXX ) is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ). I need to report XXXX XXXXXXXX XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late, but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP.