23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I spoke with Comenity Bank on XX/XX/XXXX and was offered a settlement amount of {$330.00} which would settle the account. I paid the {$330.00} on that day. A few weeks ago I received a letter from XXXX XXXX XXXX stating that there was a balance of {$240.00} being reported by Comenity Bank. I contacted Comenity Bank on XX/XX/XXXX asking about this. I was initially told that there was no record of the account being settled nor no record of a payment made for {$330.00}. After me being persistant they finally stated that they did see the payment of {$330.00} made on XX/XX/XXXX but that they didn't see where it was noted that it was a settlement. The final rep that I spoke to on that day stated that although what I said made sense that the phone call would have to be pulled in order confirm what was discussed and in order for that to happen I would have to request in writing, to Comenity Bank, that I would like this call reviewed in order to confirm what was said on that call. I mailed the correspondence that was requested. I was advised today that I would have to have a subpoena to have the called pulled in order to confirm what was told to me. I was also told that I would now have to contact XXXX XXXX to dispute this info. I am not asking for any phone records for myself. I am only asking that they do what they said they would do internally and pull the call internally to confirm that the account payment was in fact offered as a settlement. I am not asking for them to provide the record to me so I don't understand why a subpoena would be needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. The following items I have attached are items in my report that I need deleted. I am a victim of identity theft and did not make nor authorized these charges. I ask that the items be deleted to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as I am attempting to purchase a home and can not do so with these inaccurate items.
Product: Credit reporting, credit repair services, or other personal consumer reports

discover card wo n't dissolve new card account. I closed account and received new card and did not authorize it and it is getting used by someone. 'I did not want it used. I ca n't make them understand to not use this account. 
I 'm also having problems with my other c/cards. My fraud people will go and change my passwords or pretend to be me and authorize my changes when I want to place a hold or try to cancel. 
There has to be a better system in place to keep my accounts safe when someone finds your ss #. I need help.
Product: Credit reporting or other personal consumer reports

I've noticed some inaccurate information on my credit report, which falls under 15 USC 16c-2. The data seems incorrect and is negatively affecting my credit.
Product: Mortgage

My VA Representation confirmed my VA Liquidation guidelines were approved. The Servicer, Penny Mac, will not honor my approved Liquidation. I am currently doing a VA short sale, as to I am XXXX.
Product: Checking or savings account

I signed up for a business checking account under and was supposed to receive a {$300.00} bonus after completing the following : Deposit {$1000.00} or more into the new business checking account by Day 10, and Have a {$1000.00} minimum balance in your account on Day 60, and Make 5 or more qualifying transactions by Day 60 : Debit card purchases ACH ( credits and debits ) Checks Paid Mobile Deposits Wires ( credits and debits ) WF Bill Pay or Direct Pay I met the requirements within the specified time period. Bonus did not post. Issue was researched by Wells Fargo, got letter saying that I didn't complete the offer requirements within the number of days specified ( false, requirements were completed in specified number of days ) and minimum direct deposit enrollment wasn't completed ( there was no direct deposit requirement, only a deposit requirement which i did complete ). I believe I met all the requirements of the offer and was incorrectly denied the account bonus.
Product: Credit reporting or other personal consumer reports

First let me say its nice to know that at least XXXX of the XXXX CRAs XXXX still exercises their grave responsibility with fairness and impartiality and the importance of accuracy and relevancey. However my complaint is with TransUnion and XXXXThey continuiously violate my federally protected rights, which is causing me real damages ; to the point Im considering Civil Liability for their willful Non-Compliance. 

In XXXX I wrote letters to all three agencies informing them that the information they were reporting was inaccurate and or incomplete and asked them to investigate. ( letters included ) I also filed complaints with the CFPB on XX/XX/XXXX to reinsure my concerns were on record. 
XXXX Trans XXXX XXXX XXXX. Only XXXX complaint was closed and it is obvious they did an actual investigation because most of the inaccurate info was updated or deleted. I was notified by TransUnion and XXXX that their investigation was complete and that the information was verified and accurate, So I pulled another report just to find, unlike XXXX a lot of the same inaccurate information was still being reported. 
I then sent both agencies Method of Verification letters by certified mail # # XXXX Trans # XXXX XXXX. ( letters inclosed ) Its been over 15 days and I still havent received that information from either agency.Which is a clear violation of 15 USC 1681i enclosed is a copy of my recent credit report which I marked up to show the many different inaccuracies and violations of 15 USC 1681. Is civil action the only way to correct this or do your over-site play a part in getting the request adhered too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously mentioned that my name was leaked in a previous breach and personal information but that doesn't give you the right to use my credit or attempt to use my credit without my permission. By using third party, and collection companies and or credit companies paying out for information is a violation. You have violated my rights by providing incorrect on my credit report. I don't owe any medical bills at this time and never have owed in the past. Also, you have tried to sneak that same account unto my credit a few days after it was removed. That is clearly breaking the law and this matter will be taken upon court. I have the documented dates on all certified signature copies. This isn't a threat i am well aware of my rights and know for sure i am willing to take it to court to insure I'm payed for the damages and problems you have caused to my credit. Please note, I am providing you with an additional opportunity to have this account removed with this week deleted from my credit reports if you have not already done so. I have no desire to cause you unnecessary difficulty, however, this entry of my private health care information, on my credit report, for an account that no longer has ANY permitted business purpose waiver since there is NO payment due, has caused injury to my credit reputation, and has left me no choice but to proceed with the following : Upon my receipt of the FCRA and FACTA mandated reply from ( CRA ), if the account has NOT been deleted in its entirety, I will take appropriate action to enforce my rights under the HIPAA, FCRA and FACTA rules, ARRA and Florida 's Consumer Protection and Medical Privacy statutes. account : 1. XXXX XXXX XXXX XXXX   {$200.00} 2. First Fed Credit Control {$840.00} Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax
Product: Money transfer, virtual currency, or money service

i sent XXXX dollars to XXXX on XX/XX/year> but can not receive it
Product: Vehicle loan or lease

When I purchased my vehicle I used a cash payment for deposit however the paperwork states I used credit
Product: Student loan

This complaint is regarding Firstmark Services for a loan through Nelnet for my son for college. My loan disclosure was finalized on XX/XX/. On XX/XX/ I received an email from Firstmark that my loan had entered repayment. On their website it showed {$430.00} due as a monthly payment, with the first payment due XX/XX/. This does not match my loan disclosure which states no payments XXXX ; payments of {$220.00} XXXX XXXX and payments of {$440.00} XXXX. Starting at the end of XXXX, I have called regularly, and spoken to call center reps multiple times. The first several calls I was told that something seemed off and a ticket was being put in to resolve the issue. I never received any follow-up and nothing changed on my account. A week ago I spoke to a supervisor who again confirmed something was wrong and that my payment amount should match my loan disclosure and that the issue would be resolved in 48 hours. It was not. This week I have tried again and gotten completely inaccurate information with reps insisting I have a parent plus loan ( I do not ) and that my payments should be deferred the whole time my son is in school ( they should not ). The call center reps are rude and do not have correct information about the loans. I sit on hold for huge amounts of time to no avail. I am unsure where to turn at this point. I will have to pay the {$430.00} due XX/XX/24 or will be considered delinquent on my loan. My loan disclosure is my legal document I signed and it is not being honored, even though Firstmark confirms they have a copy of it and can see the discrepancy. I have attached documents for review.
Product: Credit reporting or other personal consumer reports

My name randomly changed on my TransUnion report to include a maiden name I havent used since XXXX. The change occurred around XX/XX/year>. I noticed it after reviewing my credit report. I did not request the name change. I do not have anyone doing business with me with that name. I dont know why any creditors would update my TransUnion information with a name they are not associated with. I dont see why a creditor has the ability to update anyones name on a credit report. TransUnion requested documentation to update my name to the name it was for years before someone erroneously changed it but I feel I shouldnt have to send in any information. I did not change my name at TransUnion.
Product: Credit card or prepaid card

Chase XXXX XXXX finance charged me two consecutive financing charges, one for cash advances of which I do not make any and the one that I made 3 years ago had a fee of XXXX. 
These financing charges caused me to go over my limit and Chase immediately reported that to XXXX  causing my credit score to go down 10 points. 
Chase is taking Malicious action in a time of CRISIS. 

Cash advance balance of {$1600.00} at 24.99 % Variable APR when I HAVEN'T made those cash advances. 

Chase 's response : Your account had a cash balance from your XX/XX/2016 statement. A transaction from XXXX : XXXX for {$200.00} was made on XX/XX/2016. This was listed as a cash transaction. We charge a cash advance fee when you make cash-like transactions, such as withdrawing money with your credit card or buying foreign currency. Please note that Chase has no control on how a merchant is categorized, because, it is determined by a merchant and the Visa and MasterCard systems. Hence, your account was assessed with cash advance transaction fee of {$10.00} and cash advance interest charges from your XX/XX/2016 statement onwards. I've attached a copy of your XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM IN PROCESS OF PURCHASING A HOME AND I WOULD LIKE THE AUTO FINANCE INQUIRIES REMOVED OFF MY REPORT FROM 2019, I DID NOT AUTHORIZE ANY OTHER COMPANY TO RUN MY CREDIT EXCEPT " XXXX XXXX '' FINANCE. THOSE INQUIRIES ARE FRAUD & I WOULD LIKE THEM REMOVED AS SOON AS POSSIBLE TD AUTO XXXX XX/XX/2019 XXXX  ACC XX/XX/2019 XXXX XXXX XXXX XX/XX/2019
Product: Credit reporting or other personal consumer reports

To Whom it May Concern, I am writing in response to your letter dated XXXX XXXX regarding the alleged debt referenced as Account number XXXX. 

I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information : The amount of the debt. 
The name of the creditor to whom the debt is currently owed. 
A copy of any documentation, including the original signed agreement, that verifies I owe this debt. 
A detailed history of the debt, including the date it was incurred, payments made, and any interest or fees applied. 

Until this information is provided, I do not acknowledge this debt, and I request that you cease any further collection efforts on this account. If you are unable to provide validation, I ask that you promptly remove this debt from your records and cease all collection activities.In addition, it should be deleted from all credit reports ( Transunion, XXXX, equifax ). 

Please note that any further communication or action regarding this matter should be directed to me in writing via email at XXXX. 

Thank you for your attention to this matter. I look forward to receiving the requested validation in a timely manner. 

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

I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Heres what needs fixing : **Personal Information : ** - **Incorrect Name** : XXXX XXXX - **Incorrect Previous Address** : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX - *Date of Birth** : XXXX only - Current Address** : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX - **Incorrect Employer** : XXXX XXXX XXXX **Collections/Accounts : ** - **XXXX XXXX XXXX** : Account ending in XXXX - **XXXX XXXX XXXX** : Account ending in XXXX - **XXXX XXXX XXXX XXXX** : Account ending in XXXX XXXX **XXXX XXXX** : Account ending in XXXX - **XXXX XXXX XXXX XXXX** : Account ending in XXXX - **XXXX XXXX** : Account ending in XXXX - **XXXX XXXX** : Account ending in XXXX - **XXXX** : Account ending in XXXX **Inquiries : ** - **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 XXXXXXXX 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

XXXX XXXX XXXX  card is paid in full I had agreement with the company for a paid to delete in which I did it this negative impact is stoping me from purchasing a home in which I need to do and very important I purchase a home this is a violation XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On today, XX/XX/2023. I, XXXX XXXX XXXX checked my consumer/credit report and noticed inaccuracies between each of the following three Consumer Reporting Agencies XXXX XXXX, Equifax, and XXXX.
Product: Credit card

I woke the morning of XX/XX/2023 to a text alert that a charge for {$8.00} to my CashApp account had been denied. ( I only had $ XXXX {$3.00} in the account ). I immediately looked to see if I still had my card, and I did. I had not made any charges to my account. Especially at XXXX. I was happy that whoever did not get any of my money. I looked on the actual cashapp app, and it said that a user named " XXXX XXXX '' had tried to make the {$8.00} charge. I have never heard of them, and did not authorize any charge. Concerned about my information being out there, I " chatted '' with cash app twice. I told them that all I wanted to know was where did someone try to make the charge? In other words, where is " XXXX XXXX? '' In the most polite way humanly possible CashApp would not tell me anything. They kept saying that cashapp doesnt know who XXXX XXXX XXXXs. Then they would slip and almost tell me. But they did not. Later on that Friday the XXXX, I XXXX  and found a phone number for CashApp. My call was quickly answered, and again in the most polite way, I was told nothing about the attempt to make a fraudulent charge on my card. The three people I spoke to held the line on the company policy not to tell thier consumers anything. I sincerely believe that as the individual targeted for robbery, I should be privy to at least where the attempted charge was made. Knowing this could tell me more about the situation, such as who may have stolen my card number. 
Thank you XXXX This revolves around a CashApp card I have.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, They continued aggressive collections even though they were alerted of a active Bankruptcy # XXXX. This debt was paid for {$35.00} on XX/XX/2018 under duress. The G.M. at the store refused to waive a {$30.00} surcharge. The total paid by Bank Cashiers check was {$65.00}. Due to XXXX XXXX corporate office notified of BK # XXXX we are asking for a full refund of surcharge of {$30.00}.
Product: Checking or savings account

Truist bank refuses to give me my money back out of an account they closed due to fraudulent activity. I have had several deposits hit the account and they will not allow me to withdraw my funds that i need.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was put on my credit report and I have XXXX to pay for it. 
XXXX XXXX XXXX They just sent it and never said anything to me Nationwide Recovery XXXX XXXX XXXX XXXX XXXX TX XXXX I would like it removed off my credit report if u need the XXXX information I have it XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to 15 USC 1682 c and FCRA Section 605, you have violated my rights by in lawful communications. Please remove and block these debts that don't belong to me. Documentation has been provided. Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate that I discovered it : XX/XX/XXXX -Wrong Dates being recorded inaccurate information. - I've never been late on my Mortgage since I obtained it. I have proof of this information as well. Something needs to be corrected at this time.
Product: Checking or savings account

RE : Consumer ID # ( XXXX ) Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that XXXX XXXX XXXXXXXX account # : XXXX has XXXX XXXX verified that I have had an account with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXXXXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXXXXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX XXXXXXXX bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non- compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of negative accounts listed IMMEDIATELY!