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

Bank subject to complaint is Comenity Bank. I applied for a line of credit for a credit card through their XXXX the XXXX of Jewelry Card. I was given the following reason for my rejection : " because you are under the age of majority ( the age to legally enter into a contract ) in PA, we are unable to extend credit to you at this time '' This is incorrect, as the age of majority is XXXX in PA, and i am XXXX XXXX XXXX. 

The notice I received had no contact information on how i can dispute the incorrect decision. 

I called Comenity 's main line, where the customer rep told me that there is nothing she can do and that the rejection notice was final. I asked for a supervisor, and she agreed but said " they will tell you the same thing ''. The supervisor transferred me to a new department, but the transfer led me to an automated message with no action to dispute the incorrect decision. I was told I could " write '' to the address on the letter, but given that my application was rejected under false pretenses and the need to take out a line of credit, The lack of contact points Comenity provides is not a good-faith effort, and it's plausible they reject applicants on false pretenses to hope they avoid going a tedious communication method. 

It's complete age discrimination I am facing here. I have more than enough income to supplement the credit i am asking for, and Comenity denied my application based off of false pretenses. When i informed them of this blatant error, I was given no choice to actively discuss why my application was denied. Its despicable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested information/ documents on accounts that I feel were not mine and inaccurate the disputes occurred XXXX Credit bureaus have failed to conduct the proper investigation on accounts disputed. With no response for over 30 days and when receiving letters of investigation no documents where provided to prove the accounts where accurate and mine. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX the two accounts disputed.
Product: Debt collection

The XXXX attempted to Bill me for conducting additional XXXX after my insurance refused to pay them because they did took the XXXX to close to my last exam. The denistry did not explain this to me or check my policy before. When they attempted to Bill me I refused and asked if they had an internal policy that requires their staff to verify insurance policy before. They stated they just recently updated their policy. They then had an attorney contact me for payment, I requested validation and their policy. The attorney never provided me the debt validation information I requested. Recently when requesting a car loan, this popped up on my credit report from a debt collector I never heard of and learned it was for this debt. This has caused me lasting hardship and I continue to refuse that I owe this debt for the XXXX  's lack of care of it's customers.
Product: Consumer Loan

My issue is with Honda financial services for a motorcycle I financed with them. It all started when I let a friend borrow the motorcycle for a bike night and unfortunately, my friend had a XXXX accident and the bike was a total loss. Not knowing what to do about the situation because the bike was n't insured and my friend was in a XXXX I was not able to pay my monthly payments to honda financial. One day out of no where I get an email from a mother of my daughters friend from her school that a lady from Honda had called her looking for me and she was n't sure why they would call her. I then realized that I had just become friends with her on XXXX and that must have been the way that the representative from Honda got a hold of who she was and her information. I then decided to call the representative that called my daughter 's friend mother and demand why she had the nerve to call a total stranger looking for me and getting her information through my XXXX. She could have looked for me another way. At this point no one had ever shown up to my house to try to repossess the bike or anything. Although the bike was at a tow yard. She then began to accuse me that I was the XXXX doing something illegal because I was stealing a motorcycle by not paying for it and keeping it. I then explained to her what was the situation on the motorcycle and that I did n't even have the motorcycle in my possession because it was completely destroyed in the accident. She continued to say in appropriate things and that is when I decided to just end the conversation with her. I did n't even know how to begin to explain to the mother of my daughters friend why they would even call her! I was so embarrassing and I do not see why she had to receive a phone call about my personal life when she was merely just an acquaintance through my daughters school.
Product: Debt collection

I am filing a formal complaint regarding an inaccurate account reported on my credit file by Aargon Agency. I have never had a contractual agreement with this company. It appears that the original creditor, XXXX XXXX XXXX XXXX XXXX, transferred or sold my account without providing proper notification. 
This failure to notify me constitutes a violation of Fair Credit Reporting Act ( FCRA ) Section 611, which ensures the accuracy and fairness of information reported on consumer credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one XXXX XXXX  person at these so call credit bureaus. Since XXXX of 2020 I have been trying get things taken off my credit report there are so many things bein reported wrong that need to be corrected or removed. Why is this taking so long and why are am I have to go thru this XXXX by writhing to complaint? How hard is it to make these changes or remove them from my report? I have attached copies of the disputes I already file just so you know it been done
Product: Credit reporting or other personal consumer reports

I am writing to report unauthorized hard inquiries on my credit report that I did not initiate or authorize. These unauthorized inquiries have negatively impacted my credit score, which may subsequently affect my financial opportunities.

1. Details of Inquiries : On XX/XX/2023, I noticed XXXX unauthorized hard inquiries on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

2. Immediate Actions Taken : I promptly contacted all the credit bureaus involved. XXXX was cooperative and removed the unauthorized inquiries within 24 hours of my request. 
However, when I reached out to XXXX and Equifax, I faced challenges. They suggested I contact the creditor directly for a dispute letter, a step I found unnecessary given the unauthorized nature of these inquiries. 

3. Additional Concerns : Despite my efforts to resolve this with XXXX and Equifax, their processes and timelines seem prolonged, which increases my concern about the undue negative impact on my credit standing. 

I'm looking for an expedited resolution to ensure my credit report accurately reflects my financial behaviors. Given the immediate effect these inquiries can have on my credit score and the potential long-term implications, I believe swift action is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 
Rs clark and associates is on my credit report without my knowledge or consent.
Product: Vehicle loan or lease

Before bankruptcyXXXX amount owed was {$18000.00}. Car was totaled XX/XX/2019 I received offer letter over {$14000.00}. In bankruptcy money was transferred from bankruptcy lawyer to Regional Acceptance which balance down to around {$4700.00} or less. They report over {$11000.00}. They are not allowed to change, add, delete pertinent information from my file to get more money than what is owed. Please delete
Product: Credit reporting or other personal consumer reports

I found the following inquiriees that need to be deleted Found unauthorized inquiries on my consumer reports which need to be deleted immediately Equifax inquiries not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX XXXX XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Product: Mortgage

I made my XX/XX/XXXX mortgage payment for {$6400.00} on XX/XX/XXXX which was a XXXX  and the payment posted on XX/XX/XXXX and TD has reported me 30 days late to all credit bureaus. I was in the middle of applying for a loan for some education expenses for my son and now I am unable to do so. I did make the cash payment on XX/XX/XXXX at the branch where the phone representative indicated that I would have been 29 days past due and would like to see if TD can correct this in my reports. I have included a copy of the branch payment receipt for my mortgage. It states my payment was made at XXXX XXXX  on XX/XX/XXXX however I assure you that I physically made that payment on XXXX XXXX  on XX/XX/XXXX. The person at TD that took my payment said there would be a record in the system that I did physically pay it on XX/XX/XXXX. I will make sure going forward that I make my payment earlier in the month to not cut is so close with the 30 days payment.
Product: Student loan

Last XXXX, XXXX, I updated my address with this evil and predatory company you allow to also service federal loans. AGAIN last month I did it, but as you can see in our " chat '' they pretend they can not see it. The chat agent asked me to send her personal information in a chat, despite the fact that I was told NOT TO SEND PERSONAL INFORMATION. Tonight my credit card company informed me I have a negative rating on something. I logged on to see. I have almost an XXXX credit score. I have JUST PAID THIS LOAN IN FULL, but it is not posting yet. I logged on and I see that EVERY MONTH they are reporting me as " skipped, can not contact. '' THEY ABSOLUTELY CAN CONTACT ME because 1 ) my address has been correct this whole time and it's NOT MY FAULT they can't see it? Seriously? You need to investigate them. 2 ) I have E-STATEMENTS, and my emails come through fine and I have been communication during this whole time. Also, it should be noted, I have been AHEAD on payments for months, if not longer, though they charge DAILY interest and my 10 year loan become 20 " suddenly '' which is why they can't " see '' my address I am sure. They won't even respond to you. This is my THIRD complaint to you for THREE DIFFERENT REASONS and the first one replied only to say " they are working on it. '' You need to stop giving these predators a pass. They are conning the CFPB too. Even though I paid the loan IN FULL I plan to pursue further action to get a refund of the MASSIVE overpayment. But I was advised to do this. NOW THEY HAVE LIED ON MY CREDIT REPORT CAUSING A NEGATIVE RATING DESPITE THE CORRECT ADDRESS BEING SHOWN ON MY ACCOUNT. I have told them for months I can not update my address because I do not have ANOTHER ONE TO MAKE UP FOR THEM. The correct one is there already! 

They even harassed my friends to find the address they had all along, and my friends though maybe I did not pay my bills on time. They caused me great humiliation, pain and suffering FOR BEING AHEAD ON MY PAYMENTS AND BEING RESPONSIBLE ENOUGH TO PAY AND ALSO UPDATE MY INFORMATION. 

You will also note that the most recent account letter in my inbox online requesting recent contact info has my ACTUAL REAL UPDATED ADDRESS ON IT! I am being PUNISHED in real ways by their INCOMPETENCE! I can not " find '' another address. That IS my address.
Product: Debt collection

I received notification of a collection account with Southwest Credit Systems while in the process of applying for a mortgage. The account is showing with a date of XX/XX/2015. I have no knowledge of owing XXXX a balance and had paid them as far as I knew. Upon receiving my dispute letter from them, they responded only with a copy of a bill. This does not constitute as verification of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Vehicle loan or lease

Credit acceptance sold my vehicle for XXXX and wants me to pay back over XXXX for a car thats not worth that amount of money. I also feel that the XXXX they sold it for wasnt true it was XXXXXXXX XXXX XXXX  value was {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes by means of a Credit Repair Organization ( XX/XX/2019 ), Equifax & XXXX have failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX never late XXXX XXXX XXXX inaccurate XXXX XXXX XXXX {$94.00} not mine XXXX XXXX not mine XXXX XXXX not mine
Product: Credit card or prepaid card

this is a dispute with Capital One ( Case Number : XXXX ) about a rentalcar on XXXX billed on XX/XX/2021 for {$540.00}. ) I returned merchandise or canceled services that I ordered. ( ) I am still being charged for a service that I previously canceled. 

I rented a van on XX/XX/2021 to be picked up from XXXX XXXX XXXX on XX/XX/2021 and return it.on XX/XX/2021, On XX/XX/2021 I decided to drive my own van and canceled the rented van. on the same day I received cancelation confirmation which is attached and I though they will send the money, however they did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiries : 1-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 



2-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

3-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

4-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

5-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

6-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

7-Company named XXXX XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

8-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

9-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

10-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

11-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

12-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

13-Company named XXXX XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX from approximately XXXX to XXXX Several fraudulent charges were made via my paypal account ( XXXX ). I received a mobile alert via XXXX XXXX XXXX XXXX and was also advised that my card was being placed on a suspended status for suspicious activity after money was transferred from my bank account to PayPal to cover the expenses. At this time I was in Texas using my Debit card to buy gas. After investigating the suspicious activity myself I was able to find out from Paypal that the charges came out of another state. Since I can't be in two places at once I figured this would be an open and shut case ; however, paypal is denying my claim, claiming they have " proof '' that I authorized the charges. I am willing to provide testimony under penalty of perjury that these were not my charges. As I understand these charges were for goods that were not tangible but electronic. After spending time talking to my financial institution and paypal that situation still remains unresolved. The following are the charges : I have provided a screenshot of my debit card activity that ranges from New Mexico to Texas during the time of these transactions. 

Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$24.00} ) Auth. DateXX/XX/2018 Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$49.00} ) Auth. DateXX/XX/2018 Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$63.00} ) Auth. DateXX/XX/2018 Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$9.00} ) Auth. DateXX/XX/2018 Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$5.00} ) Auth. DateXX/XX/2018
Product: Checking or savings account

I was hired to work for a company they gave me onboarding paperwork to fill out then sent me a check to purchase aloe my remote work equipment they told me if I had trouble securing anything to reach out to them. The specific XXXX they wanted was not available so I asked them if I could get another one they told me they would reach out to the it department to see if they had anything available so I contacted the person and they said there was one they could ship to me next day and they would load all the software I needed on it as well. I sent them the payment for that out of the money that was given to me for this purpose. The next day I got notified from the bank that the check was fake and I was confused I told them its from my job they told me Ive been a victim of remote job fraud I asked them what I could do they said nothing since I sent the money. 

I reached out to the company who said they would try to figure out whats going on and get back to me but shortly after the communication with them was cut off I called the police department and filed a police report and they told me to try and speak with my bank. I bank with navy federal and I am a XXXX they dont want to do anything to help me and now Im in the hole XXXX that I dont have
Product: Debt collection

I have tried to reach out to Debt Recovery Solutions LLC with a HIPPA compliant regarding a debt they say i owe and asked to validate. I sent a validation letter also asking for the proof of my written consent that i gave permission to XXXX XXXX XXXX XXXX  releasing my medical information to Debt recovery Solutions LLC. I sent a certified letter back on XX/XX/2018 and have not received anything back as of XX/XX/2018. As in the FDCPA it has been more then 30 days and i am seeking this so called debt to be removed from all 3 credit agencies due to no response back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating these accounts. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX ( Original XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have tried to settle my account with XXXX Hunter Warfield for the last 6years.. and they have refused to accept my releting fee for the amt of {$580.00} and has been decline by several agents including Management team..
Product: Credit card

Fraudulent account opened with a similar name. XXXX large purchases. I have put freezes on my account and submitted disputes with the credit reporting companies.
Product: Credit card or prepaid card

I have an XXXX XXXX XXXX credit card where I make a {$50.00} minimum payment I recently have gone through financial hardship and have been late on making a few payments. The credit limit is {$620.00} but the balance is {$1000.00}. Almost half of the balance is interest and late fees.
Product: Checking or savings account

I had a dispute on my account, where TD gave a provisional credit XXXX. However on XX/XX/year> they did a reversail of the credit but same day but a provisional credit back on for the dispute as it was still in progress. Then in XXXX they then did a second reversial for the credit. I called about it as I was not informed of such and they told me the claim was in progress but they credit was being removed. I then had to go out and fight the company I origainally had the dispute with and XXXX weeks later I got my refund. So at the end of XXXX the XXXX provision credits that were given were both taken back by the bank it was even, XXXX given and XXXX taken back. 
However, today the bank has since took a XXXX provisional credit back and they have no answer as to why it happened. They informed me a letter was mailed out XXXX, XXXX, yet they took the money out of my account XXXX. They are saying to me that I have to wait and see what the back off is able to find. Even though its clear that they took money that was never owed to them. So by definition, the institution committed theft!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2014 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX  XXXX XXXX Balance XXXX {$1600.00}.