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

Comenity bank has had their system down for over a month. I have not been able to access my XXXX credit card accounts with them and am unable to view my transactions, check my balance, or make payments. I also have no ability to see if I am being charged late fees due to being unable to make payments on time. I missed due dates on XXXX of my accounts due to their system being down in early XXXX. I have not been able to confirm if those payments have been made or if they have incurred late fees because I can not access my account online. I have not been able to reach Comenity by phone due to their heavy call volume.
Product: Checking or savings account

Wells Fargo is refused me access to my accounts. I had to open a second one and they removed access to that one as well. They have been letting other people utilize my accounts who have XXXX. This is XXXX XXXX, discrimination, and in my financial state, cruel and unusual punishment. Again, I will not do anything morally or ethically questionable or wrong in order to access my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The listed accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$32000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I mailed a dispute to Experian XXXX XXXX XXXX XXXX via certified mail regarding inaccurate and incomplete information in my consumer disclosure. The dispute package included a copy of my drivers license, proof of address, and my Social Security number as supporting documentation. On XX/XX/XXXX, I received an alert from Experian indicating that the information in question had been updated on their online portal ; however, no changes were made to correct the inaccuracies. Subsequently, on XX/XX/XXXX, I mailed a follow-up dispute, asserting that Experian had failed to delete the inaccurate account as required. In this correspondence, I also formally requested damages under the Fair Credit Reporting Act ( FCRA ) for their failure to comply with federal law.
Product: Student loan

I was determined XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have disputed this situation through the XXXX credit reporting agencies where my info was updated but not omitted thus negating any ability for me to restore my credit. 
I have exhausted all my options with Experian : forbearances, refused forgiveness, and threatened that my XXXXI may be seized.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Applied for a mortgage with Amerisave, submitted required documents to their online portal, called and spoke with XXXX XXXX. 

XX/XX/XXXX - Followed up with XXXX XXXX via email after several phone calls trying to see how far I was in being pre-approved so that I would know the price range and start looking for homes. Never heard back from him. 

XX/XX/XXXX - Received an email from XXXX XXXX stating my rate expired and he started a new application for me and ran another approval. I got multiple emails from the different credit reporting agencies about a new inquiry on my report. I then received another email from XXXX XXXX stating my application had been approved. Then it bizarrely asked me if I was selling my house and that I needed to lock in my rate. I got another email thanking me for the application that I did not submit nor authorize. I emailed XXXX XXXX about an hour after his email when I first saw it informing him that I never heard back since XX/XX/XXXX and did not need a mortgage loan anymore. However, the inquiries and applications had all already been submitted by him around XXXX on XXXX, likely so that I would not have seen the emails fast enough to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK OF AMERICA has just taken an adverse action which is prohibited pursuant 12 cfr 1026.13 by reporting that I have utilized a false amount of my credit.They have not validated any alleged debt or responded to any of the documents I have sent or requested.they have also not responded to my affidavit or provide any evidence to support any alleged debt they claim I owe.have notified them of multiple billing errors pursuant to 12 CFR 1026.13 and TILA regulation Z. I have audited them requesting certain documentation and a full file disclosure both public and private pursuant to 15 usc 1681g, 15 usc 44 and irs publication 583 to further clarify and address my billing errors and see how much is really owed.adverse actions are prohibited pursuant to 12 cfr 1026.13 while Im in an ongoing billing error status and any creditor who takes an adverse action forfeits all rights to collect on the disputed amount and makes themselves subject to civil liability pursuant to 15 usc 1693m.theyre failure to also provide the requested documentation make them liable for criminal liability as well pursuant to 15 usc 1693n.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX  a term regarding HELOC and sent the link with a definition to my husband. Somehow, a lender contacted my husband trying to make a sale. My husband stated " let me talk to my wife '' and ended the call. This lender, sent information to my husband regarding options and ran both of our credits on XX/XX/22. 

I have never spoken to this gentleman to give him permission and my husband did not give permission either. 

The persons name was XXXX XXXX ( Loan Officer ) with Cross Country Mortgage.
Product: Mortgage

while trying to log in to my account to make my XXXX payment. I encounter that my account is blocked. asking me to call a number so to discuss my account status. once I call the number all the person on the other line said is that my account is under litigation and there is nothing, they can do to help me. they don't even give the option of making my monthly payment so forcing me to be late or default on my payment. I have not even received any type of correspondence from Mr. on the matter in question. I have no idea why my account in in litigation. all my payments are on time and up to date. 

I even wrote an email to them, and their reply was that they don't speak to customers only to attorneys. denying me my rights to know what's going on with my account.
Product: Credit reporting or other personal consumer reports

Year XXXX I Filed A Dispute With XXXX XXXX Transunion Informing Them Some Accounts Has Been Settle & According To The IRS These Companies ( Collection Agency- 3rd Party Debt Collectors ) Can't Report Income. These Debts Don't Exist Anymore. I Have Already Filed My Taxes ( XXXX XXXX XXXX XX/XX/XXXX ) To Report The Debt With The Original Creditor. I Will Upload My XXXX Taxes. Go To Schedule XXXX XXXX Part XXXX Line XXXX That Amount Included The Debts I Had Informed The Credit Agency. Those Debts Included XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Dear Sr : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW 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 VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
the ___ __________________________
Product: Credit card

I have a citi card that was issued around XX/XX/XXXXXXXX  the thing is the card was sent to a different adress than where i reside ... .Once they corrected that issue and i received my card i began using it at the costco XXXX XXXX XXXXXXXX  XXXX I only used the card 3 times within a day or 2. Once i recived the bill i paid for the purchaes that i made, but i was told that the card was used in many locations and different states. I told them that i had the card in my posession and I did not make the purchaes that were attached to my account. I disputed it with the credit card company, and they denied the claim because they said i still had the card in my posession. I told them that the original card was sent to a different location and that could be why other charges we added to my account ... ... ..I asked them to look up the initial adress where the card was first mailed to and thet told me they do not see any other address on file ....
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I requested verification of this alleged debt from AMERASSIST AR SOLUTIONS, and they did not introduce enough proof to me for this to be on my credit report. The original creditor added an addendum without my knowledge. They don't have an address that connects me to this debt. The signature doesn't match my handwriting. Neither of you has documentation to maintain this on my credit reports. Cease any credit bureau reporting and remove this account from my credit report. Please do not close it. Please remove it or face further consequences.
Product: Credit card or prepaid card

I have contacted Wells Fargo to go over the reasons the account is not mine and I am met with disdain as they hang up on me and refuse to expediate this matter of importance.
Product: Credit reporting

Multiple disputes were initiated through Experian 's online porthole pertaining to information within my Consumer Credit Report that was found to be inaccurate and or erroneous. Upon information and belief Experian has violated the FCRA which ensures that all Consumer Reporting Agencies report information that is 100 % accurate. Pursuant to the FDCPA and the FCRA I now exercise my lawful right to question the validity of the following information ; 1 ) US BKPT CT XXXX XXXX is NOT my account 2 ) XXXX XXXX is NOT my account 3 ) XXXX XXXX XXXX XXXX XXXX is NOT my account 4 ) XXXX XXXX XXXX XXXX XXXX is NOT my account 5 ) XXXX XXXX XXXX Never Known By This Name 6 ) XXXX XXXX XXXX XXXX Never Known By This Name 7 ) XXXX XXXX XXXX XXXX Never Known By This Name 8 ) XXXX XXXX XXXX XXXX Never Known By This Name 9 ) XXXX XXXX XXXX XXXX Never Known By This Name 10 ) XXXX XXXX XXXX Never Known By This Name 11 ) XXXX XXXX XXXX XXXX Never Known By This Name 12 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Not my address The FCRA section 611 ( a ) ( 1 ) ( A ) outlines your responsibilities in case of disputed accuracy. Moreover, I am requesting that Experian to verify as required of this company by federal law for physical verification of the original signed certified consumer contract- of any and all accounts listed herein pursuant to 609 ( a ) ( 1 ) ( A ). I demand to see a copy of the Verifiable, validated proof of the accounts disputed herein ( an original consumer contract with a wet ink signature affixed ) as copies of copies are not validation and by law are not considered proof. ( See : XXXX v. XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX ( 1997 ). ( Finding that computer printouts are not verification of a debt ). The law is very clear as to Civil liability and remedy available to me for " negligent noncompliance ''. I request my private right to action pursuant but not limited to 15 U.S.C. 1681i ( a ) 15 U.S.C. 1681s-2, 15 U.S.C. 1681s-2b and 15 U.S.C. 1681s-2 ( 6 ) ( A ) ( B ). See : XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX.1997 ). The burden to conduct the reinvestigation is on the credit reporting agency. It can not be shifted back to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and balance listed on my XXXX and Equifax credit report are lost/stolen and fraudulent transactions : XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX, {$450.00}, and XXXX XXXX XXXX  XXXX XXXX Credit Card XXXX XXXX, {$590.00}. The credit card accounts and credit cards are lost/stolen.
Product: Debt collection

I Had XXXX  XXXX in 2016 had no insurance. I live in XXXX. The XXXX bill alone was over XXXX XXXX dollars. There repayment plan was XXXX dollars a month which I don't have. 
I recently received letter from a bill collector representing as a lawyer Sprechman & XXXX PA. Stating I owed {$11000.00} plus interest {$1000.00} ( my Dr does not charge interest ) also my Drs have their own lawyers here in XXXX . This is a collection scam they have negative reviews on their website regarding fraudulent practices. My lawyer indicated to me to file a complaint with FTC.
Product: Bank account or service

I had to report XXXX Incidents of Fraud to Chase Bank which resulted in me having to close my checking account. Chase told me I had to come in person to close the fraudulent checking account and open a new checking account. XXXX XXXX, I notified Chase fraud department to close out my debit card because a company connected to fraud had my credit card information and another call was placed XXXX XXXX to stop a check due to another company that was fraudulent. Since I had my account with Chase it was in good standing. I got caught up in ordering things from the Internet and the companies were not reliable. Chase okay-ed my new account and my new debit card. It was not until I checked my account to see if my Social Security Check had posted into my new account I found that there was no check posted.. Their personal banker for Chase name XXXX XXXX ( XXXX XXXX had transferred everything from the old account to the new. When I called Chase to asked them what happened to the direct deposit of the Social Security check they informed me my account was close and they no longer wanted my business. They did not know where my Social Security check went and they would mail me my account balance. I informed them that I could not wait for them to mail my funds and I was told that was the best they could do. They were very insensitive to my needs when I told them I had no money. Everything I had was tied up in their Bank account and they still insisted that they could not give me my full amount back. I love banking at Chase and I do not feel because I had a few bumps in the road they should close my account. They told me it was perfectly legal and they did not have to give me an explanation.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX, and Transunion for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, XXXX, XXXX, and Transunion consistently responds within 24 hours stating that the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX, XXXX, and Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) -- ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation Account names I am requesting to be removed 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

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My legal status changed recently I just received my social security number as in XXXX of XXXX. As I currently want to build my credit I opened an XXXX account. As a new member I noticed there was a car loan showing in my account as ganas auto in XXXX. But the issue is I never took out a car loan in XXXX nor did have my social security number at that time of year or no itin number related to me. The only car loan I have as far is this year of XX/XX/XXXX since my social security number is new. I have try to dispute the account directly with XXXX and some how they tend to remain in in my account .i also contacted ganas auto and spoke with a costumer service representative and he stated theres no contract on there system with my name or date of birth or social security number. At this point I dont understand how XXXX is stating that ganas auto confirm some information therefore they cant dispute but ganas auto confirm to me theres no file connected to my personal information, I have checked other credit barriers to see if it shows there as well and as far as now its only XXXX having that fraud problem with my personal information.
Product: Debt collection

In XXXX, I filed a complaint regarding Transworld Inc, a private debt collection on behalf the The XXXX XXXX " XXXX XXXX and TXXXX XXXX XXXX XXXX '' My complaint went unresolved. However, both XXXX XXXX ( XXXX ) and Transworld sent letters of debt collection, yet the copies of letters violated the of 60-day Treasury Offset Payment by taking federal tax return prior to 60-days. 
I received a letter back in XX/XX/XXXX regarding collection of 15 % from social security starting XX/XX/XXXX. 
Since XX/XX/XXXX, Transworld has been charging an interest to my XXXX XXXX balance debt. In XXXX and XXXX, my federal tax return was taken but the amount only paid the interest set by Transworld. 
I received a XXXX XXXX XXXXXXXX and {$220.00} is deducted and applied to my debt payment. However, {$200.00} is paid toward my debt. My federal debt to XXXX is not being paid but only the interest. Missing amount of {$18.00} is not accounted for. 
I believe Transworld has stolen {$18.00} from XXXX  and we have no agreement and why is the interest being paid and not my balance to XXXX? 
In conclusion, I have been deceived by Transworld, by not honoring the 60 days, no agreement on interest and theft of funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : PORTFOLIO Account Number : XXXX-XXXX**** XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

Bank of America closed my account even though I notified them back in XXXX XXXX that I am a victim of id theft which I have proof of but they told me they did not need it. I have a few accounts on my credit reports that are not mine. I had this card for 15 years and I always try to have contact with them. In XXXX XXXX and late XXXX Bank of America 's credit analysis did not post my payment in a timely manner, it states they wanted funds availability even though I let customer service know that I was making XXXX payments on my account. The credit analysis department claimed the amount was suspicious and they had to call my bank even though I did not bounce a check with them at that point. This also happened in XXXX also claiming funds availability even though I did not bounce a check with them. I did complain about it to Bank of America but they claimed that I was lying. I called customer service and they did not know why my payment was credited properly, they told me to contact the credit analysis department which I did. I just received a letter yesterday dated XXXX/XXXX/XXXX they are closing the account. I am a victim of identity theft which is why my credit score is XXXX, my score used to be XXXX. I have told Bank of America about this twice, I need my credit reopened because it will affect my score. Bank of America was notified by me and I offered to send proof but refused. It would be different if I never talked to them about it. My credit report is not an accurate way to determine whether or not I pay my bills at this point due to identity theft which can take up to 2 years to solve.I want all negative marks removed because they were notified of the id theft but ignored it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX  XXXX XXXX {$5100.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX. 
LAST NAME : XXXX. 
DOB : XX/XX/year> NSS : XXXX SECURITY FREEZE
Product: Credit reporting, credit repair services, or other personal consumer reports

I BELIEVE I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!