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

About XXXX ( XXXX ) or more, I called Comenity Bank to completely close my account and cancel a credit card. The representative told me that everything was going to be OK. A couple of months later I received a notification from the credit company that my score lowered because of this credit card, good sam/comenity bank. I called the bank again, asked what happened and they told me that there was a late fee, I straightened everything about, for the second time with the bank and credit card representatives and they told me that everything was going to be OK. 
About a week ago or so, I received a call from XXXX, from comenity bank, saying that my account had an outstanding balance for late fees, I mean, they keep on charging me late fees, on A CLOSED ACCOUNT! 
I was aware that if I closed/cancelled a credit card, it could affect my credit, I was OK with that because I really don't want anything to do with this bank, they are the worst to deal with. And now, this is outrageous, they keep on charging on a closed and cancelled account. Unbelievable! Please help me. It has affected my credit a lot! 

When contact the comenity bank refer to number XXXX, the supervisor I spoke with was XXXX, she told me that from now on I wouldn't have any problem with them, which I don't believe because that was the same thing they have told me before and they just keep on charging on a closed account I don't want anything to do with this comenity bank.
Product: Credit card or prepaid card

Very simple. Promotion was Earn a {$100.00} statement credit when you open and use the Sony XXXX within 60 days of account opening. Then, earn a {$50.00} credit when you spend {$500.00} within 60 days of account opening. 

On XX/XX/2022 I received an email from Comenity stating " Youve made your first purchase with your Sony XXXX Credit Card, which means your {$100.00} statement credit is on the way! Keep using your Sony XXXX to earn another {$50.00} statement credit when you spend {$500.00} within 60 days of account opening. '' XXXX XXXX XXXX of Comenity claims " On XX/XX/2022, a {$100.00} statement credit was applied to the account. New cardholders receive a {$50.00} statement credit after the first card purchase. New cardholders also receive an additional {$50.00} statement credit after spending {$500.00} or more within 60 days of account opening. '' He is referring to the current promotion, NOT the promotion that was in effect when I got this card ( as proved by the bank 's email to me ). XXXX XXXX also fails to notice that the initial {$100.00} credit to me was paid BEFORE I spent {$500.00}, so his explanation is obviously incorrect. 

I reached the {$500.00} total of XX/XX/XXXX. 

All I ask is that the bank live up to the terms of the promotion. I have included copies of the bank 's XXXX email to me, a second email dated XXXX stating " Dont miss out on another {$50.00} statement credit '' and XXXX XXXX XXXX letter.
Product: Checking or savings account

I have received similar messages from Cathay Bank, although the dates on each one are different. 
So far, Cathay Bank hasnt addressed the extra issues. They didnt respond to the additional information I provided. They also havent given any supporting documents. 
Despite my efforts to provide more information, Cathay Bank has failed to address the information given. This lack of communication not only makes resolving issues difficult but also reflects poorly on the banks dedication to addressing consumers concerns promptly. Another vital aspect of transparent banking is providing supporting documents to clarify information. 
The absence of such documents from Cathay Bank only adds to existing doubts and leaves customers uncertain about their financial transactions. 

I am contemplating whether arbitration will be efficacious?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is violating the Family & Education Act of 1974. The Privacy Act.

When I signed up for XXXX  loans, I signed a Privacy Act form that said the XXXX will not provide my transaction history to any 3rd party companies. They have updated my account to paid or closed as in charged off but has negatively reported 51 late payments. They have also been on my credit report longer than 7 years. They have been reporting since XXXX but makes it seem as if the account is younger by starting the reporting in XXXX and XXXX. They are reporting wrong payment information as my last payment was not in XXXX. They only reported it as such to continue to maliciously report on my credit report for XXXX more years starting from XXXX. 
Also, since the account is charged off they are reporting income per IRS Publication XXXX. 
Lastly, they are violating the Opt Out Act 15 USC Code 6801-6805. These violations have caused me emotional distress with the apparent predatory reporting to hurt me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a business card and debt as a personal debt. It was never reported on my personal report until it went delinquent. They must either report the entire history ( over 2 years of positive history ) or remove completely from the repot. 

Also, since it is not a personal debt and was never personally guaranteed I want proof of a personal guarantee which they have refused to give me since it doesn't exist. 

I have tried several times through them and Trans Union and XXXX to remove this or correct it and they refuse. This is contrary to my rights. I want this rectified. Thank you.
Product: Mortgage

, My mortgage company added {$1000.00} onto my yearly payments stating that my real estate taxes were upped. I sent the DiTech company XXXX statements from the city showing that my taxes were not raised. Di tech said they never got the statement about the bill. Di tech wants {$80.00} a month more.I sent my XXXX payment but XXXX XXXX refuses to recognize the payment. It wants {$1000.00} as of XXXX XXXX. The company refused recognition of the payment cashed by them on XXXX XXXX. They started foreclosure on me saying I was 30 days late. They want an extra {$54.00} on my payment plus late charges which accrue each month because they refuse to change the due date on the payments. I called FHA they said there was no restriction against changing a loan payment date even though Ditech told me it could not be done. Today a paper was left on my door from Ditech. There was no envelope and no stamp which showed that a person showed up on my door step. I consider this a threat against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX is reporting XXXX mortgage accounts on my credit report that are in violation of the Fair Credit Reporting Act. They are reporting the last reported date as XXXX XXXX for the accounts below when the last late lates were made in XXXX XXXX. 

This caused me to get denied for a mortgage because it made it seem like I was late within the last year since the last report date was XXXX XXXX. 

The account numbers are XXXX and XXXX. 

There is no balance on the accounts and I even disputed this account months ago and they verified it as accurate which is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing this letter to inform you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, PENTAGON FEDERAL CR UN XXXX Date Opened XX/XX/2016 Balance {$0.00}, PENTAGON FEDERAL CR UN XXXX Date Opened XX/XX/2016 Balance {$0.00} These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts about their accuracy the reported payment history of these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Debt collection

report XX/XX/2018, {$1900.00}, I filed for Identity theft with the FTC.
Product: Debt collection

Westcreek Financial has illegally placed the wrong debt on my account for the wrong dates ( date of first delinquency, date account opened ), they closed the account and have been reporting and updating the account amount and it keeps going up. 

Please send my original loan agreement with my signature, the date the account was opened, the date of last payment. See bank account attachmented where they claim I paid them. They've violating the fcra for reporting inaccurate dates and amounts owed.
Product: Credit reporting

I have been trying to get XXXX XXXX XXXX and Experian to list my mortgage payment/history but neither will get it done. I have sent letters to both and and have talked to my bank rep. Because the information is not making on to the report my score is much lower than the scores of the other XXXX agencies that do report it.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Debt collection

This debt is not known to me. I recently requested my XXXX Credit reports to access my credit history in order to establish why my attempts to acquire credit results in a denial. I have always made it a duty to diligently address any issues before it became a collection and have not opened any new accounts in the past ( XXXX ) years. I request full validation from the crediting or reporting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.
Product: Credit card or prepaid card

On XX/XX/XXXXI paid the full balance off My Jared Jewelry account in the amount {$430.00} at the XXXX XXXX XXXX store located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I received a notification that my account was 30 days past due and now have a 30 day delinquency on my credit report, this has dropped my credit score by 64 points. I contacted XXXX XXXX XXXX XXXX on XXXX XXXX to have this corrected. I was told the {$430.00} payment I made was applied to the wrong account. I was advised it would be correct with 24-48 hours, it wasn't. After weeks I re-contacted XXXX XXXX XXXX XXXX on XXXX XXXX and I was told by a supervisor nothing was done to have this issue correct from the last time i called on XXXX XXXX the funds are still in the wrong account and the Credit reporting agency have not been notified to remove this 30 day delinquency and report the account with a XXXX ( XXXX ) balance and current. I am in the middle of buying a home and this is putting my home loan approval at risk.
Product: Mortgage

they billed us for the appraisal before we found out the excessive closing cost. we would have never have paid the appraisal had we found out the amount of closing cost. we were never late with payments and we were just refinancing to get a better rate and save dollars. we are both in our XXXX 's and we feel scammed out of appraisal fee of {$640.00} that we paid. We have been with Wells Fargo since our first payment and never been behind. You would think that they would give us the benefit of the doubt. This is just terrible and we are surprised that a company like them would do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

No changes on my credit report and Bad Score, still getting hurt with negative and collections accounts on my 3 credit bureau and XXXX on denial credit base on my credit history that in the pass 11 years I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from report. 

I got identity theft in XXXX have filled a police report, FTC, FBI & IRS. 
And again identity theft in XXXX Data Breach From the WA Department Of driver license and Motor Vehicle.
Product: Credit card or prepaid card

On XX/XX/XXXX, one of our business cards was used to make four ( 4 ) purchases of {$150.00} each ( total of {$600.00} ) for XXXX XXXX. Fleetcor notified us of potential fraud, and we informed them that the transactions were fraudulent because the employee who supposedly used the card was an hour away from where the charges were made. We also immediately cancelled the card. After filling out the proper paperwork, XXXXeetcor is refusing to process our claim. It isn't that the gas station has denied our request. It is that Fleetcor won't even attempt to process a chargeback because we have more than 10 cards with them. This was their immediate response : Upon review of the available information, which includes but is not limited to transactional data, account history and information which you have provided on the dispute form, it has been determined that the charges in dispute are not covered under your Cardholder Agreement, and therefore we are unable to approve your claim. 

Your Cardholder Agreement states : Federal Regulation Z for Business Use : You agree in any event that if at any time you have been issued ten ( 10 ) or more cards at your request, then you waive any and all limitations of liability for unauthorized use of such cards. 

While our real-time transaction monitoring systems are examining your account 24/7 for suspicious activity, we recommend that you frequently review your account for unauthorized purchases. Customer service is available 24/7 if you'd like assistance on the best way to use our online tools to monitor suspicious activity.
Product: Credit reporting

A settlement for a short sale with XXXX was made in XXXX/XXXX/2012. I received a form XXXX for the cancellation of debt ( Please see attached ). XXXX report my account as outstanding 2 months after settlement
Product: Checking or savings account

US BANK CHARGED THEIR MONTHLY MAINTENANCE FEE TO MY ACCOUNT PUTTING IT IN THE NEGATIVE. THEY THEN CHARGED ME XXXX BECAUSE THEIR MONTHLY MAINTENANCE FEE PUT ME IN THE NEGATIVE. I CALLED THEM TO SPEAK TO THEM ABOUT IT. I TOLD THEM THAT IT WAS UNETHICAL IN MY OPINION TO CHARGE A CONSUMER FEES ON FEES THEY CHARGE. THEY REFUSED TO WORK WITH ME OR REFUND ME THE MONEY. I ADVISED THEM THAT I WAS GOING TO FILE A COMPLAINT WITH THE CFPB.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 150 days past due as of XXXX 2012 120 days past due as of XXXX 2012 90 days past due as of XXXX 2012 60 days past due as of XXXX 2012 30 days past due as of XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 Upstart XXXX  reported a 30 day delinquency to all three credit bureaus for an XX/XX/XXXX payment. Payments on this account have always been paid before the 30 day late mark. The amount reported was an odd amount of apox {$61.00}. I contacted Upstart and received no viable explanation. I filed disputes with all three bureaus. The bureaus did not remove the false reports based on false information provided. I filed a complaint with the XXXX  and received a vague and inconclusive explanation on the reporting. Online account information provides full verification if payments, fees, and history. I also have bank account statements for proof and verification. This is a clear cut example of illegal credit reporting.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In pursuit of the Fair Credit Reporting Code 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I am requesting that Trans Union delete the information they are reporting. I have not been formerly notified, nor given the opportunity to direct that such information not be disclosed to such third party ; Trans Union. This unauthorized reporting of non public information to a third party agency is implicitly prohibited by the Fair Credit Reporting Act. Furthermore, I am formally revoking any insinuated or direct permission for the companies listed below to furnish any information about me to Trans Union, which is a third party company. Because of this, I am requesting to exercise my right to privacy and fair credit reporting practice - 15U.S. Code 1681 ( a ) ( 4 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I am requesting that Trans Union permanently delete these accounts from my profile immediately, as they are in direct violation of the FCRA : XXXX Acct # XXXXXXXX XXXX Acct # XXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXXXXXX Reference Fair Credit Reporting Act : 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


15U.S. Code 1681 ( a ) ( 4 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Debt collection

Dear Vance and Huffman LLC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.