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

This is a Complaint about Comenity Bank. 
I have a Master Card with Comenity Bank. I pay the balance owed thru my banks online payment system. XXXX Bank. Comenity does not take electronic payments. Comenity requires that the bank send them a physical check. I have paid Comenity bank online 4 times this year via online payment thru XXXX bank and have received a late fee of {$XXXX} every time. I authorized payment thru my online banking typically 5 to 10 days before the due date of the credit card My complaint is that Comenity is purposely not crediting my account until after the due date so they can charge a late fee and interest. They are purposely not processing receipt of payment so they can charge a late fee and interest. 
I had the same issue when using XXXX online bill pay.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint against Zelle, a payment service provider, in regard to ongoing issues I have encountered with their money transfer system and the lack of adequate customer support to resolve these matters. 

I have experienced multiple challenges when using Zelle, like delayed transfers, incorrect transactions, difficulty navigating the service. Despite my attempts to seek clarification and resolution directly from Zelle 's customer support team, I have not received the necessary assistance to address my concerns. The responses from their representatives have been unhelpful, and I have encountered significant delays in receiving any clear solutions. 

As a result, I feel that Zelles inability to provide sufficient guidance or resolution to its users is causing undue financial strain and inconvenience. I believe that my consumer rights are not being adequately protected, and I am seeking assistance from the CFPB to address these issues with Zelle.

Investigate Zelles handling of consumer complaints related to money transfers and provide clarity on their obligations under federal law.

Ensure that Zelle improves their customer service and communication, particularly in handling complex issues like transaction errors and delays.

Provide guidance on further steps I may take to resolve this matter effectively, if necessary.

I trust the CFPB will look into this matter and help facilitate a resolution. I am happy to provide any additional information or documentation needed to support my complaint. 

Thank you for your attention to this matter. I look forward to your response and assistance
Product: Debt collection

They are putting inaccurate information on my credit report. I have not sign any agreement with them have no debt with them and have not given them permission to report anything about me. This is not my debt I have toad them over the phone and through written this is not my debt and I don't have a debt with this company.
Product: Mortgage

Bank of America at XXXX XXXX Florida take my loan and process and assured that my loan is good to go for approval Loan Officer XXXX XXXX. 
The Loan Officer assured me about the approval is done. 
I paid the appraisal fees and keep the loans documents for almost 3 months assuring me that the loan is approved. 

On the end of my contract to close he send me a failed letter. As a results I need to lost money to buy a time to a seller. and start all over the Loan applications as a results my health got affected I suffer anxiety and depressions. 

I Tried one more shot to XXXX XXXX. The loan officer see my document and can not believed what the Bank of America did to me. 

The Loan Officer from XXXX XXXX qualified me and close the home in a right time manner. 

I been banking in Bank of America for 25 years and this bank and has no loyalty on no ethics to there customer not only the Loan Officer did a misrepresentation and lied about my loan. 
I tried calling the manager to ask information about my concern and they said they will give messages to XXXX XXXX and nobody called me I tried again up to 3 times and the same story I received. Until now no apology or word from this bank branch manager or Loan Officer. 
I demand to return my money that I lost on This Bank of America and I will close my banking.
Product: Student loan

My student loan has been transferred to various lenders. I have been trying to find out the history of where my loans ordinated, and who " touched '' it along the process. For over 5 years I have had collection companies call me wanting me to aggressively pay the debt or go into a rehabilitation program and could have 5 dollar monthly payments, yet they will tack on additional 3 grand for their fees. So I 'm in debit and can only pay 5 a month, yet they get to add on 3 grand more. Most recently I have been dealing with XXXX/College Assist. Here are my complaints and have audio phone calls to support my claims. 
Companies miss represented themselves to me throughout the process. 
College AssistXXXX would never allow me to talk directly to them. 
I asked multiple times for information of my loan about where was it, who had it or even give me a financial balance statement since its conception. 
Company sent me financial document via email to me that was not mine, which causes concern of credibility and I believe it violates Electronic Communication Act of 1986 ( ECP ) 18 U.S.C. 2510-22 This last Credit Recovery Company XXXX in XXXX states they are a Government Acency, but they are a Credit Collection Company. Not part of the USA Government. 
As a result of College Assist/XXXX practices, I have accrued over {$1800.00} in extra interest and {$2800.00} in recovery fees. 
One credit company XXXX XXXX did not respond to my letter stating that I disputed the claim and XXXX failed to respond and " sat '' on my loan for over 12 months. 
There are many other deceptive practices that have happened. 
I do have recorded phone calls with these various credit collection companies to document their false claims and deceptive practices. 
I am in the process of hiring a transcriber for these calls. For presentation in my case. 
I also have other written communications to Credit Companies and they failed to respond or act on my inquiries Federal Student Aid website says College Assist owns my loan. They are then acting With XXXX ... but XXXX has turned over the loan collection to XXXX. See above complaint. XXXX has totally violated my rights. 

Lastly..I looked at my credit report and shows XXXX Student Loan has been reporting to the credit since XX/XX/XXXX as negative. So who is this company now??? 

Now do you see why I have n't been able to get any reliable information and support to rectify my student loan delema? 

Who really owns my loan???? 
XXXX College Assist XXXX Since XX/XX/XXXX my loan went from XXXX to now XXXX!!!!!! 

PLEASE HELP ... ..PLEASE HELP ... .WHAT AM I TO DO??? 
College AssistXXXX has started the Garnishment process ... ..
Product: Vehicle loan or lease

In XX/XX/XXXX I made a large payment of {$4500.00} on my account to pay my monthly payments in advance because I was looking to have XXXX later in the year and wanted to ensure that my account was paid ahead so that I would not be delinquent. When I made the payment online, I specifically did not choose the " Principal Only '' option and schedule a regular payment using the other option. What I did not know is that Capital One Auto Finance, per their internal policies, as they have advised me, made the decision without my permission nor did they notify me that they were going to apply the {$4500.00} payment as a principal only payment. For the next few months, XXXX through XXXX, I made my regular monthly payment. When I was out of work in XXXX and XXXX for my XXXX XXXX, I did not make a payment, and in XX/XX/XXXX I started making payments again and made a large payment in XX/XX/XXXX and in XX/XX/XXXX. What I did not know is that Capital One Auto Finance reported my account with them as 30 days delinquent for the XX/XX/XXXX and XX/XX/XXXX payments which have caused damage to my and my wife 's credit report and the denial of credit because of this delinquency. I have spoken with Capital One Auto Finance, and they advised me that it is their internal policy to post payments in this manner and that even with my account being paid seven months in advance they will not remove any delinquent mark from my credit report. They said they feel the delinquent mark is accurate and they only report precise information to the credit reporting agencies. 

I have spoken with several people at Capital One Auto Finance including a young lady who was in the Office of the President. 

I am asking for your assistance in getting Capital One Auto Finance to remove this inaccurate delinquent rating from my and my wife 's credit report.
Product: Credit reporting or other personal consumer reports

I recently discovered a collection agency item from XXXX XXXX for {$240.00} on my XXXX and XXXX credit reports. This collection agency item is not mine and is the result of identity theft. There are also multiple hard inquires from XXXX XXXX, XXXX and XXXX on all my credit reports. These are inquires as a result of identity theft.
Product: Credit reporting or other personal consumer reports

XXXX Original creditor MIDLAND CREDIT MANAGEMENT : I received an alert from XXXX regarding this collection earlier this year. This is not my account. I tried resolving and disputing with XXXX but they failed to investigate as well as I tried multiple times to contact MIDLAND CREDIT and they never answer or return my call nor have they even sent me any type of notice or proof that this debt exists. I believe that MIDLAND CREDIT MANAGEMENT is trying to collect on an account that is not mine and XXXX is not doing anything about
Product: Debt collection

My credit report states that the account was opened XXXX  and the debt owed is {$180.00}. 
I did not have XXXX  around this time at all. This is completely false and inaccurate.
Product: Credit reporting or other personal consumer reports

I did not allow these inquiries to take place on my account
Product: Money transfer, virtual currency, or money service

I'm new to the XXXX and have started with my XXXX employer a month ago. 

I received a cheque from employer that I deposit on my XXXX HSCB account XX/XX/XXXX. 

I then receive an advance from HSCB on this cheque ( XXXX  XXXX ) that I transfer to another my XXXX  credit card. XXXX has an account on my name with the XXXX XXXX saving banks. I send this XXXX  XXXX to my account on XX/XX/XXXX. 

I then get paid the full cheque on the XX/XX/XXXX by HSBC and I immediately transfer the rest to the same account with the XXXX XXXX XXXX. 

I then receive on XX/XX/XXXX an e-mail from HSBC saying the below : " On XX/XX/XXXX, you initiated our trial deposit verification process to verify ownership of your XXXX XXXX XXXX XXXX, Checking account. 

To verify this account, we attempted to make two small deposits and a withdrawal for the total amount of the two deposits. Unfortunately, our attempts have been unsuccessful. 

This is because XXXX XXXX XXXX XXXX, Checking has indicated to us that the account for which you have requested verification is unable to accept transfers. '' I immediately contact them ( the customer service, I don't have a relationship manager ). They say the money is out, give me a reference code and tell me to contact the receiving bank. Which I do, I open a case with them, they don't find anything. 

On XX/XX/XXXX I call HSBC again, they're trying to put me through their Payment team. After being unsuccessful doing so, they say they will call me later. They never did This money is my salary. I can not eat neither pay my rent without external support. 

I would appreciate your help.
Product: Money transfer, virtual currency, or money service

I exchanged XXXX  for XXXX  on Coinbase and then transferred my entire XXXX  balance. Coinbase showed my XXXX balance dropping to XXXX, as expected, but the transfer was never received by the destination wallet. 

Oddly enough, Coinbase still shows the $ value of my assets as if it includes the XXXX  balance, but the XXXX  balance is at XXXX. 

As usual, it is impossible to contact Coinbase. I've tried via email, XXXX and phone. 

It is also impossible to view a transaction history on their platform, which I can only assume breaks some financial reporting laws. 

As of this point in time, there is over {$30000.00} missing from my account with no way to recover it or discuss with Coinbase. 

In the attached screenshot, you can see that my total account value is almost double the sum of my holdings, due to the missing XXXX  holdings.
Product: Debt collection

I was attempting to settle a debt with Smith Debnam. I talked with XXXX on XXXX separate occasions for pay off. The first time it was {$2700.00} about XXXX weeks ago. Then I contacted XXXX again 3 weeks ago and he said it was {$2800.00} ( interest added ). I was waiting to get closer to when I could pay this debt, so I called XXXX XXXX. XXXX explained to me the debt was now {$11000.00}. Apparently what happened was the bank i was working with called Smith Debnam to get a payoff. Smith Debnam then realized more money could be available, so they changed my payoff to {$11000.00}. 
My problem is the loan will not be approved know because I do not have enough equity to pay the additional {$9000.00} needed for the loan to go thru. 
They also asked to see my Loan Estimate and Closing disclosure ... .and they would consider reducing the amount.
Product: Credit reporting or other personal consumer reports

I reported XXXX XXXX on my XXXX  card that charged me about XXXX in deferred interest because they closed it then asked for information which you the CFPB mustve briefly looked over they only provided information on XXXX remaining as I saved their XXXX  to you along with adding interest by large amounts every day. My XXXX XXXX card also does not show how I got to that amount they just threw in some random months to make it look legitimate yet that does not show how I got total balance and theyre charging me interest on that amount Ive reported it over and over they finally responded and you guys didnt check the pages it shows nothing how I got these balances XXXX  only showed I owed XXXX but then skipped ahead and showed right when closed early XXXX XXXX XXXX in deferred interest since that time I have paid well over XXXX to them which is noted and no one has done anything to XXXX same thing Im attaching their files they sent you to show it made no sense and didnt add up and to closing my accounts for risky behavior they explain reason why I was risky payments on time low balance to utilization etc they are a scam
Product: Debt collection

Remove the fraudulent items from my credit report immediately, as mandated by FCRA Section 605B. I have provided the necessary documents for blocking the erroneous information, and I expect prompt compliance with the Fair Credit Reporting Act. Failure to act within the specified timeframe will result in legal action. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these items ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Also one of the credit bureaus deleted said the account was deleted then reappeared on my credit.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have reached out to chase and have spoken with several representatives regarding the removal of fraudulent charges not being credited back to the account as well as other fraudulent charges. When I removed the unauthorized user from the account on or before XXXX/XXXX/XXXX. I was contacted by XXXX representatives by the names of XXXX and then XXXX. only to be accused of having knowledge of the unauthorized charges. Chase has refused to credit me back any and all monies regarding to the fraudulent use on the account nor update the balance to reflect that the charges have been removed. I have been trying to get chase to right their wrong for years and they have taken no interest nor action to do so. Why should I be held reliable for the fraudulent charges when I did n't make them. You did not address the following as I previously requested : Here are the additional fraudulent items that were charged after XXXX/XXXX/XXXX which were never addressed : 1 ) XXXX in XXXX Ohio on XX/XX/XXXX and XXXX/XXXX/XXXX the one on XX/XX/XXXX was credited back but not the other. 2 ) there are XXXX charges for {$7.00} for the fraud detector on XX/XX/XXXX and XXXX/XXXX/XXXX can you tell me why i was charged twice in the same month 3 ) XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I cant recall this charge as well 4 ) the over the limit fee 's that XXXX incurred after XXXX/XXXX/XXXX due to the fraudulent charges. If you can address these as well I 'd greatly appreciate it.If you need to speak to me please contact me at XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approvals. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX US DEPT ED XXXX U S DEPT OF EDXXXX XXXX DP OF EDUC XXXX USDOE/XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my Experian credit report and noticed two fraudulent accounts were reinserted back on my credit report without being notified within five business days per FCRA Guidelines. I have talked so many representatives at Experian Fraud Department regarding documents that I have uploaded on www.experian.com/upload portal and they always say that my documents are illegible. The last time I talked to representative at Experian, I told him to submit a trouble ticket regarding Experian website that is not working properly because when I submit my documents, it always tells me that it was submitted and uploaded successfully, but when i call Experian, they tell me a different story.

Experian has violated by rights under FCRA 611 5 ( B ) ( ii ) ( A ) by reinserting deleted items without notifying me within five business days. I have also attached copy of my Experian report where they deleted these fraudulent items in the past as well as a copy of my police report and FTC ID Theft Report : 1.  XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX XXXX Account # : XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX L. 
XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Request for Debt Validation and Cease and Desist Notice under FDCPA and CFPB Guidelines Dear XXXX XXXX XXXX, This letter serves as a formal request for validation of the alleged debt referenced in your communication and a demand for compliance with my rights as established under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Consumer Financial Protection Bureau ( CFPB ) guidelines.

Request for Full Debt Validation : Pursuant to federal law, I request that you provide complete and accurate documentation regarding the alleged debt, including but not limited to : 1. Assignment and Bill of Sale : o A copy of the original assignment contract or bill of sale proving that your agency has the legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, showing why and how you accessed or reported information on my credit report.

3. Validation of Debt : o The name and address of the original creditor.

o A complete and itemized accounting of the alleged debt, including the original amount, any payments made, fees added, and how the balance was calculated.

o Copies of all documents bearing my signature that establish a contractual obligation for this debt.

4. Proof of Collectors Legal Authority : o Documentation demonstrates that your agency is licensed to collect debts in my state. 
Cease and Desist Notice : Effective immediately, I hereby demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes, but is not limited to, phone calls, emails, letters, or any other form of contact.

Furthermore, I demand that no negative information related to this disputed debt be reported to any credit reporting agency. If such information has already been reported, I request that it be removed immediately until this matter is resolved.

Failure to comply with these demands and legal obligations may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of the Attorney General. 
Please send all requested documentation to my address listed above. If you are unable to provide sufficient validation, I request that you immediately cease collection activities and remove any related negative information from my credit reports.