23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Capital Bank, which issues the XXXX store credit card, had an account listed on my credit report that was fraudulently opened in my name. On XXXX, I received a letter from Comenity Capital stating their investigation determined the account was indeed fraud and they would send a letter to me and to all 3 credit bureaus stating this account needs to be removed from my reports as it is fraud. Comenity Bank confirmed my account was closed and also stated there is a credit balance of {$82.00} that will be issued in the form of a check and mailed to me within a week to bring the balance to {$0.00}. I received the check. I also mailed a copy of this letter to all credit bureaus to ensure they received it as this account is derogatory and negatively impacting my credit. 

On XXXX, I called XXXX at XXXX, as I noticed this account was still appearing on my credit report and was showing inaccurate account information from XX/XX/2022, never properly investigating initially clearly, leaving the date verified space blank. XXXX advised me to call XXXX even though XXXX confirmed they had the letter from Comenity in my file to remove the account?! And didnt?! XXXX inaccurate information being reported for this account are 1 ) they report it as open 2 ) they report as having never been disputed 3 ) reporting a balance owed of {$250.00} 4 ) reporting the past due amount of {$64.00} 5 ) charge amount in the high column is credit limit. 

On XXXX I called the Account Protection Team at Comenity Capital Bank at XXXX, and spoke to XXXX re : the account still appearing on reports and account information not being updated, again causing huge consequences for credit dropping due to no fault of my own. She reviewed my account and confirmed the account was closed and the balance was {$0.00}, but said couldnt do anything or send anything over to the bureaus at this point to update the inaccurate info that was being reported. She referred me back to XXXX and advised me to open a dispute with them, then they would verify with them and the account would be updated. First, no I already did this, and didnt happen. Second, that is absolutely not the responsibility of anyone else but Comenity to report and provide accurate information, and not only did they not, but they refused to take the steps needed to ensure the bureaus were accurate. Instead, it was blamed on the bureaus. 
I am including the letter that was mailed to me and sent to the bureaus stating to remove this account as it is fraud.
Product: Credit card or prepaid card

Followup to CFPB case # XXXX As stated in the attached XX/XX/18 letter from Wells Fargo, XXXX rewards points were to post by XX/XX/18 for redemption. As of XX/XX/18, the points have yet to be posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you.
Product: Credit card or prepaid card

I have had phone conversations and exchanged e-mail trying to resolve.  Chase refunded a credit balance in my account that amounted to $XXXX on XX/XX/18.  This credit showed up the same day I made a $XXXX  payment on the account.  The problem is that I was not contacted, the check was sent regular mail and they said it's because of the length of time the credit balance was reflected.  Note that the credit balance on the account, if any, fluctuates monthly so can't see how that might be but perhaps it's a regulation they have to live with.  In any event, why would they send me a check one day and on the same day I made a payment?  I'm now out the $'s as I have no access to the funds.  Have no idea when the funds will get here and they said something about a wire but that was like a week after stop payment on the check is issued.  The have taken control of my $'s, made no mention of it to me and are holding my $'s.  I believe the account would require me to pay 18% interest on  more so would expect that interest paid to me along with immediate access to the $XXXX.
Product: Credit reporting or other personal consumer reports

i disagree with the account listed below which still appears on my credit report, i would like this item immediatly re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX. ) in accordance with the fair credit reporting act, public law 91-506, tittle VI, 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. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX
Product: Student loan

A very large company XXXX SoFi XXXX that refinances student loans is undoubtedly engaged in deceptive and predatory lending practices. I know this because I used them to refinance my student loans recently. They advertise interest rates that would clearly be interpreted by any reasonable person as annualized rates and even call the interest rates " Annual Percentage Rates '' in the loan documents but they actually compound this rate on a daily basis, making the effective annualized rate significantly higher than that which is being advertised. I carefully reviewed the loan documents I received and only in one place, buried deep in the disclosure, does it say interest is accrued on a daily basis, and even that description is confusing because it fails to disclose that the actual interest rate a borrower will pay on an annual basis is higher than the " Annual Percentage Rate '' because of the daily compounding of interest ( which I think is a very material omission ). I genuinely believe SoFi is secretly robbing indebted students of XXXX dollars PER STUDENT by engaging in these predatory tactics and I believe action needs to be taken against them immediately. SoFi includes a well-crafted arbitration clause in their loan documents and the clause prohibits class arbitration, which effectively prevents any borrower from bringing a claim against them. I would be happy to represent myself against them, and luckily the agreement states each party pays its own legal expenses unless a claim is frivolous, but the fees of the arbitrators would quickly dwarf the amount at issue in my individual case, WHICH IS WHY I NEED YOUR HELP. You are the only available remedy for these kinds of shameful, predatory tactics. SoFi is a HUGE ORGANIZATION and the effect of taking action against them would benefit XXXX students. You have the ability to do a lot of good here ; please do n't just let it pass you by. This is wrong, legally and morally, and you should do something about it. If you agree to pay my share of the arbitrators ' fees I would be happy to take up this cause myself and set a precedent against them ( though decisions in arbitration are n't binding, it would still look very very bad for them and may encourage changes to their practices ) but I am not going out of pocket XXXX dollars more than I already am out of pocket because of these shady practices ; I really ca n't afford that.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concern regarding Zelle handling of disputes protect, particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous time and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering last funds was impossible and tracking these transactions was infeasible. The CFPBs indicate that Zelle has not just neglected to protect consumers, but has allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

first of all under 15 usc 1681 ( a ) ( 3 ) ( a ) ( b ) ( c ) restriction of sharing medical information and they never had my persmission which is another violation under 15 usc 1681a ( 2 ) I never gave any permision
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested my current information be Updated properly on my credit report My name is XXXX XXXX XXXX. My current employer is XXXX XXXX XXXX. The following addresses are not mines please remove delete them : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX   OH XXXX 1XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX  The following number are not mine please delete/remove them : ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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
Product: Debt collection

Hello, This collection agency has been reporting a debt of CREDIT CONST XXXX {$17000.00} and another of CREDIT CONST XXXX {$3500.00} on my credit The truth is that I don't recognize them, I don't know where they come from and I'm not responsible for them. I have sent letters to the bureaus to investigate and tell me where the debt comes from and so far they have not given me any information. This account has been affecting my credit in a bad way since the amount is very high. I request that this collection agency please remove these accounts from my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, amounts of XXXX, XXXX, and XXXX ; XXXX XXXX XXXX XXXX in the amount XXXX ; XXXX in the amount of XXXX ; XXXX XXXX XXXX in the amount of XXXX ; and The XXXX XXXX XXXX in the amount XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 


[ If you have a lawyer, state that you have legal representation and provide that persons contact information ]. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 7 days.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> I reached out to this company because I wanted a loan for my startup company. They told me that they could help me and that I didn't have to worry about the loan going on my credit report! I should have known then that I was signing a bad deal! They approved me for They told me that I could not payoff early before the 1 year. I guess because they wanted to accumulate that extremely high interest rate. The loan was for XXXX, XXXX balance is {$47000.00} with monthly payments of {$1200.00}. I have never missed a payment. The interest rate is a whopping 16.99 percent. 
I was told that their was a class action law suit against this company for being a predatory lender practices.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my federal tax return deposited into my Venmo Account in the evening. On XX/XX/XXXX I received an email that my account had been frozen due to unusual activity. They requested My ID, to which I responded with within minutes. I called a short while later to see when my funds would be unfrozen for me to transfer. I was told the review of my ID would take XXXX business days. ID inquiry number provided was XXXX and escalation inquiry number provided was XXXX. On Monday XX/XX/XXXX I reached out for a status update and was told that it would be XXXX business days. I received correspondence via email later that day, requesting my ID again, and a picture of myself holding my ID. On Tuesday XX/XX/XXXX I received an email notifying me that my account had been unfrozen, but when I went to make a transaction it froze again and they emailed me again that my account had been frozen. I provided my ID for a XXXX time, along with an E-Statement, showing the account that I was connecting does belong to me. I woke up this morning XX/XX/XXXX to an email stating that my account has been deactivated and that they can hold my funds for 180 days for " loss prevention ''.
Product: Credit card

I submitted a payment for {$100.00} through the app, well above the minimum due, and as a " second '' installment within the same billing cycle. I was somehow and suspiciously charged another {$150.00} today, XXXX, for a payment towards the card that was apparently scheduled but that I know I DID NOT SCHEDULE. So, it is a DUPLICATE charge that I requested them to cancel or refund earlier today, on XX/XX/24. However, they said they " can not do anything about it '' nor could they provide a reverse credit after the payment is posted. Which, as far as I know, amounts to deceptive and predatory practices- especially when I am not past due or obliged to make additional payments. Especially with other bills upcoming, I have been set back an additional {$150.00} that no one can explain as to how or who authorized it.
Product: Credit reporting or other personal consumer reports

Reference Case # XXXX ; Loan # XXXX Shellpoint Shellpoint avoided responding to our main complaint. Our previous complaint accused Shellpoint as the root cause for the two late payments. We accepted Shellpoint 's offer to miss two monthly mortgage payments ( appreciating our Hurricane Ian suffrage ). Shellpoint kept secret their intent to report our two approved late payments to the Consumer Reporting Agencies ( CRAs ). We were not informed of this credit reporting risk as being part of their deferment request process. We followed their procedures and we were told to continually wait for their review process to conclude. 

Shellpoint stated in their response that we had not paid XXXX and XX/XX/2023 payments. That is not true. I'm providing proof that Shellpoint was not truthful ( see XXXX Mortgage payment statements ). 

I spoke with XXXX XXXX and he understood that Shellpoint did not inform us that they would report us to the CRAs despite being active in their deferment process. I told XXXX that were we to have been informed, we would not have accepted their offer. XXXX agreed that this case deserved a second look by management. He apologized. I was made to believe that they would grant us our relief ( simply reverse the CRA report ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern the following check and go account and the information reported about this specific account is being illegally reported without my written permission nor was I put on notice before my financial information was shared and furnished to XXXX party non affiliates and is being inaccurately reported by doing so I demand that the late payments or any derogatory remarks or information be deleted immediately from this account and never to be reported again without my written permission your company is in violation of us code and CFR laws and the following violations are 15 usc 6801 also 15 usc 6802 and 15 usc 6803 only resolution I will accept for violating my consumer rights, rights to privacy and my financial information confidentiality u have 7 business days to delete and remove all previous reported derogatory remarks comments late payments etc failure to do so will result in a violation of 15 usc 1681n ( a ) ( 1 ) ( A ) civil liability for willful noncompliance Sent from my XXXX
Product: Credit card or prepaid card

On XXXX XXXX, 2022 my bank account infrmation was hacked from outside the XXXX and XXXX Fl . I had several debits from my checking account and my 2 bank cards hacked and maxed out, I had to report this the the police, IRS, and all credit agencies immediately. I did and it was a long process to have the accounts closed and then my bank account reissue me a new ID and replace my funds ( close to {$30000.00} ). The XXXX fixed the problem after months of investigation and time. I immediately called Barclay 's Old Navy card to cancel, inform them that I would be able to send a check ( no online accounts or IDs available ) as soon as I get a checking account set up ) and I DID IMMEDIATELY!!! 
I explained the issue, told them to give me the balance ( {$410.00} without penalty ) and I sent the check out XX/XX/2022. I spoke to them and they did not record the call??? Don't belive them. 
I then still got billed and added fees sent. I called several times. I sent a letter stating all this again. I sent copies from the IRS and police reports of the fraud from the bank and investigation. I was told that a manager had to call me and that they could credit all but {$40.00}. This was NOT done. I called and spoke to a very rude woman last call and she read the back of the credit card statement and said she cant help. I can not log into the card on line as I cut the card and dont have the 16 digit card #. The Barclay 's staff members are just rude and nasty. 
I do not feel I should pay for having my identity stolen and having my accounts frozen because of ir. I dont feel I shoud be punished. The items I purchased were paid for and no $ $ remains due to purchases only late fees and interest on late fees ( no items ). 
I cant rightfully pay them and feel I was the victim here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters and a police report. Transunion is having a problem removing this off my credit report. I never had a car loan from  XXXX    XXXX     XXXX   XXXX   XXXX   XXXX ,  XXXX , NE  XXXX , (  XXXX  )  XXXX . I never lived in  XXXX ,  NE  and asked them to send me proof of the sign contract and no response. Please remove this off my credit report. The dates was  XXXX / XXXX /  XXXX   collection date and loan begin in  XXXX   XXXX .
Product: Mortgage

want to settle this civil lawsuit with this organization case # XXXX XXXX XXXX XXXX XXXX see attachment create a fraudulent mortgage loan and now trying to create another one without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I ( XXXX XXXX XXXX have repeatedly attempted to communicate with and receive assistance from Equifax to no avail. I have made attempts through their multiple designated phone numbers and directly through their website to no avail. 

Currently, I need to place a fraud alert on my credit file but Equifax refuses to assist me. 

As previously documented, there is now an ongoing history of Equifax refusing to comply with their legally mandated requirements to assist me. 

Unfortunately, my data has been involved in more than one company data breach. I was just notified of the most recent data breach. Equifax is consistently the most difficult and now impossible credit bureau to interact with and attempt to receive assistance from. Their phone numbers essentially hang up on me. Their website does not allow me to receive the necessary assistance to implement a fraud alert. 

Equifax NEEDS to be held accountable.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been working with Experian to correct fraudulent accounts. I submitted my police report, contacted XXXX XXXX XXXX XXXX who explained that I needed to contact Experian to remove the fraudulent account. 

Experian is currently reporting XXXX XXXX XXXX XXXX, which is a fraudulent account to my credit report. I have tried several times to resolve this issue and have been unsuccessful. 

I have asked Experian several time to verify the verification system which they are using, and they have failed to provide me with the information.
Product: Credit card

I received a call from someone who said they were with Chase Bank XXXX department. He said his name was XXXX XXXX and he called at XXXX. I am in Florida. He had a thick accent that I could hardly understand. He had my last XXXX digits of my social security number and my name. He said someone tried to open a credit card in my name in XXXX. He wanted to transfer me to you to file a report. I did not give him any info and hung up. I am concerned that this was fraud. I do not have a XXXX card or bank account
Product: Credit card or prepaid card

I would like to submit a complaint. I am also aware that capital one may retaliate by closing my account for whatever random reason that they choose to select because of this complaint. I have 2 capital one cards 1 with Walmart and one regular capital one card. My payments are due on the XXXX of each month. I made both payments at the same time XX/XX/22. Walmart card was charged a {$28.00} late fee and my regular capital one card was not. I called and spoke with a supervisor and was told it was because I made my payment after XXXX XXXX. I do not show this stated anywhere in your payment policy. It shouldnt matter if I make my payment at XXXX on the XXXX as long as I make it on the XXXX it should apply. 
Supervisor I spoke with was XXXX XXXX she placed me on hold 3 times for XXXX minutes supposedly looking for a resolution all to get back on the phone to tell me there is nothing she could do. I also made XXXX Extra payments in XXXX to get me a month ahead to prevent late fees because I have XXXX jobs and I forget while you guys are Late fee HAPPY and I STILL ended up with one. 
When it is my Error I will pay my late fee like ive done in the past. THIS IS NOT MY ERROR.