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

XX/XX/2021 I contacted Comenity Bank and proposed a settlement of XXXX to pay off my account. The woman I spoke with refused that amount and stated XXXX would be acceptable but only if I paid immediately.I requested an email stating the terms and outlining that the account would be settled in full. The Comenity Bank representative became angry and combative. She refused to either confirm a settlement in writing or transfer me to a supervisor. She yelled at me told me Comenity was a Bank and that she would mark our conversation as my refusal to pay. She then hung up on me. Yesterday I found out that Comenity bank called my adult XXXX year old daughter at her home and discussed my debt.My daughter is neither a cosignor or guardian of my finances and has never been used as a reference. We are estranged and have not lived together in over 30 years. This contact of my daughter is the issue. Is this negotiations by intimidation and harassment? The bank representative told my daughter they had 2 more people to contact. This is a threat that could result in my loss of employment and certian embarrassment because I have no other relatives so this would be reaching to strangers unknown to me.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Social Security Number : ( XXXX ) Consumer Date of Birth : ( XXXX ) Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following accounts : Fraudulent Account : XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$0.00} These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Additionally, Ive attached my consumer credit report, maintained by Experian, which highlights the fraudulent items and a detailed list of the hard inquiries in question. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. All of these items were not opened, made, or initiated by me and are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

These are the accounts that I remarked as inaccurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want reported accounts removed.
Product: Checking or savings account

KeyBank told me they closed my checking account and safe deposit box. 

They apparently never actually closed my safe deposit box despite telling me so in writing. I am owed a prorated refund after the date of the stated closure. 

My checking account balance at KeyBank is {$0.00}. I never bounced a check, had a fraudulent transaction, or anything, yet they filed a report with XXXX XXXX XXXX claiming " checking account fraud. '' No reason for this has been given. I demand that KeyBank support this claim with evidence of promptly remove this inaccurate information from my report.
Product: Credit card or prepaid card

In XXXX, I had an active credit card with XXXX XXXX XXXX  ( " XXXX '' ) which experienced fraudulent charges. XXXX removed the charges and I closed the card. In XXXX, Keybank acquired XXXX and the fraudulent charges were reactivated as a due balance in error. Keybank was aware of this error and in XXXX they notified me that the charges are not valid and to disregard any statements asking me to pay a past due balance and they said they would close out the account. 

On XX/XX/XXXX I opened my first ever Keybank checking account and enrolled in online banking with Keybank. Upon signing in for the first time I saw a credit card linked to my profile with a balance due of {$240.00} and with a payment due date of XX/XX/XXXX. I immediately called Keybank to understand what the credit card charge related to - I had forgotten about both the XXXX and XXXX issues described above. After spending XXXX on the phone, having been shuffled around to eight ( 8 ) different groups, I hung up the phone to attend to my full time job. Each group told me there was nothing they could do, in some cases I was transferred to the same group twice, and one group ( online banking ) even told me " it wasn't there problem. '' I called back about an hour later and I was put into a queue for a supervisor on the credit card service team to call back when they are free.
Product: Debt collection

There is an account that is unknown to me reporting on my credit file. This is not mine nor have I ever been sent anything regarding this matter. Please help
Product: Checking or savings account

I filed a dispute on my account for a transaction in the amount of {$780.00} on XX/XX/XXXX. My claim was denied 4 times for bogus reasons. It wasnt until I filed a complaint with CFPB I was notified by BBVA by mail which is now PNC that they were investigating the claim & would issue a provisional credit & any fees assessed on the account would be credited it back to my checking account ending in XXXX once the claim was final. I noticed on the BBVA 3 fees were reversed. I called to inquire why only 3 fees were reversed since there were a remaining XXXX ; I was told the remaining XXXX fees for {$38.00} each would be credited back to my account once the claim was final. Since then they have found another way to defraud me in retaliation of my complaint to CFPB & have sent me another letter indicating they will be debiting my account for {$130.00}. Had this claim been processed on my original request I would have never been charged {$38.00} for any transactions because it wouldve have been well enough money to cover all of the debits that were presented. This has been discussed with several representatives who ensured that all of the fees would be refunded once the claim was final. The claim was finalized on XX/XX/XXXX. I called today XX/XX/XXXX to inquire about the letter, I was on hold for 1 hour & 30 minutes & was transferred four times. Finally a representative in what PNC calls core department, I was told theyre not refunding me any fees & theyre debiting my account an additional {$130.00}. In all I am still out of {$780.00}, including never receiving the merchandise purchase since XX/XX/XXXX & {$1000.00} in bank fees. They have even blocked my access to my BBVA app to review any bank statements, & communication letters. Each time I try to click on statements for both the PNC app, & the website, its buffering & will not allow me to view any transaction history. Its been this way for 26 days.
Product: Debt collection

In late XX/XX/XXXX, our tenant said they were closing their business and would be out of our warehouse by the end of the month. On XXXX XX/XX/XXXX, I spoke to the tenant and told him that the equipment was still in the space. The tenant communicated that the bank wouldn't provide bank info and would contact me to pick it up. Finally, on Thursday, XXXX XX/XX/XXXX, XXXX XXXX XXXX from US bank contacted me about this equipment. I communicated that I have no problem letting the bank have the equipment, but the bank will pay for the storage time to remove the equipment beginning Monday, XXXX XX/XX/XXXX. The bank has failed to provide me with a copy of the Landlord Lien Waiver that the leased space owner should have signed. I never signed such a waiver, nor did I know the tenant had leased equipment in the space. Banks are required by law to have such waivers signed. I followed up with the bank on XX/XX/XXXX and XX/XX/XXXX. Finally, on XXXX, US BANK responded on XXXX XX/XX/XXXX stated this had been turned over to a XXXX party lawyer in Texas who is claiming we're holding equipment ransom. I have sent the lawyer an emails, phone calls and certified letters. We have requested the bank pick up the equipment, and it's still in our warehouse. I am unable to lease our unit because of storing this equipment. We just want the equipment removed. How long do I have to store this at no charge. the US Bank is not taking due diligence in retrieving their equipment.
Product: Money transfer, virtual currency, or money service

The Company Venmo Locked My Account With {$430.00} on it that I received from XXXX as a refund because I'm a student there. I've been trying to transfer my money from the account since XX/XX/year> and they will not let me and on XX/XX/year> they suspended my account saying that Im in violation of their user agreement. I'm trying to see how is that possible when all I've tried to do is withdraw my funds which they will not allow me to do. Customer service is very horrible and no help I've called them multiple times and can't get the answers I'm looking for. I need help!
Product: Debt collection

I am submitting a complaint against XXXX XXXX. This company has placed a collection on my reports claiming to be collecting for XXXX XXXX. 

XXXX XXXX has not onced properly verified or validated the debt according to the FDCRA. Also XXXX XXXX has no legal right to collect the debt and the reporting of the debt is violation of the FCRA. 

This third party debt collector that has no Contract between i and them has no legal right to collect on this debt or place themselves in this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

List of Unauthorized 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 XXXXXXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts - XXXX  Acct # XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) states that a consumer reporting agency can not include in a consumer report : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) is a key provision of the Fair Credit Reporting Act ( FCRA ) that addresses the responsibilities of entities that furnish information to consumer reporting agencies ( like credit bureaus ).

In essence, it prohibits furnishers from providing information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to discover some inaccurate accounts listed on my credit report, and I have absolutely no idea how they got there. I do routine checks on my report, and this has never been an issue until now. I refreshed my browser, hoping it was some kind of mistake or glitch, but the incorrect details didn't go away. This whole situation is incredibly XXXX and I'm asking for a detailed review of the documents I've provided to ensure that this problem is permanently fixed.
Product: Checking or savings account

Opened my account XX/XX/2020 and instructed the lady at the branch to use a promo code for a new account promo bonus. " SunTrust is offering a bonus of {$200.00} when you open a business checking account and complete the following requirements : Make cumulative qualifying deposits of {$1500.00} or more ''. I opened the business account for this Suntrust account. I was forced to do it in branch and the lady said she applied the code. Her name is XXXX and her email is XXXX so you can get in contact. She works at XXXX XXXX XXXX XXXX XXXX The requirements for the {$200.00} bonus is deposit {$1500.00} in cumulative deposits in the first 30 days. I completed the requirements and it is showing nothing on my promos the last on the phone said and the box is not checked for the promo code. Q4 2020 Small Business Checking Reward is the bonus that was suppose to be loaded into my account but never was. The lady XXXX said I don't qualify for the bonus because I took the money out but that is not what the terms states. What the promotion states is that the deposit can not be made using a debit card credit and the account must maintain a {$0.00} balance until the rewards are credited. 
I made the deposit and still never received the bonus. I tried to get in contact with customer service and a manager but was never helped so I am taking it to the CFPB.
Product: Credit card or prepaid card

On XX/XX/2019 a check in the payoff amount of {$14.00}, XXXX was issued to Barclay Bank to pay off XXXX XXXX XXXX XXXX XXXX account. The USPS tracking showed the check was received in the Delaware processing center on XX/XX/2019 and was negotiation on XX/XX/2019 though XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX Absence of Endorsement Guaranteed Barclays XXXX. The payment was still not applied to the account on XX/XX/2019 so we contacted Barclay for a status. They advised us they would look into the matter. We called again on XX/XX/2019 because the payment had still not been applied to the account and the agent was still unable to locate the payment. We called again on XX/XX/2019 and request to speak with a supervisor who indicated they still had not located the payment, at which time we informed them that we could provide the cancelled check, which we did by e-mail on the XX/XX/2019. We have called every day since XX/XX/2019 and keep being told that despite all of the tracking information, cancelled check and sending by overnight mail my marriage licences and passport ( which they would only accept by fax to a number that is always busy, US postal service or overnight mail ) showing my married name, which they received by overnight mail XX/XX/2019 but still refuse to apply the payment and keep telling us that we can't speak directly to the group that conducts the investigations and that we have exhausted all avenues to getting this resolved sooner than 30 days. Because they have not applied the payoff, we are now forced to make a minimum payment of {$830.00} in order to keep the account in good standing while they investigate. We are also accruing fees and interest on the unpaid balance.
Product: Debt collection

Got a letter from AD ASTRA recovery services saying a owe a certain amount of debt from a loan I got out from speedy cash XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has an incorrect claim on my credit report And has deducted XXXX points from my credit score. I never received any treatment or XXXX  at XXXX XXXX XXXX. I am a female and not a male. When I called XXXX XXXX, the collection agency for this account, they claimed it was for a XXXX  XXXX ( XXXX  ) and the patients name is XXXX XXXX XXXX. This is not my name or gender. I have filed a case with the FTC and law enforcement about this charges yesterday because Experian has deducted XXXX points from my credit score also. Please remove this charges from my credit report. I am a good citizen that has always paid all my bills on time. This is so unfair to me and a nightmare. I used to be married to a XXXX XXXX XXXX and had a brother in-law with similar initials. I divorced XXXX over 3 years ago and moved from that address in 2017. Please fix this because its giving me nightmares. XXXX XXXX XXXX is not a variation of my name but the credit reporting agencies have added that name to my account.
Product: Payday loan, title loan, or personal loan

I noticed when I went online to pay the monthly bill I had incurred interest that wasn't supposed to be there till XX/XX/XXXX, I got the {$5000.00} loan XXXX XXXX, XXXX, for electrical work. I called to see why this was happening and XXXX just explained about the monthly payments not going up. Not the question I asked. 
I was told when I got the loan we had a 6 month grace period with no interest. We have already paid more than half ( {$3000.00} ) of the loan already but it has incurred almost XXXX dollars in interest since XXXX XXXX which I looked back on the statements is when they started the interest. 
I asked XXXX again why I was incurring interest and she went to talk to a manager I suppose. She came back and stated that I was not put on the no interest for 6 months program. So said I will be contacting the state attorney general about the Bate and Switch and then I thanked her because I had a drs. appointment in half an hour and hung up.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the following unauthorized hard inquiries on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), these inquiries violate my federally protected rights to privacy and confidentiality under 15 U.S.C. 1681, including but not limited to : 15 U.S.C. 1681 Section 602A : Establishes my right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Prohibits consumer reporting agencies from furnishing an account without my written authorization.

15 U.S.C. 1681c ( a ) ( 5 ) : States that no consumer reporting agency may report adverse information older than seven years.

15 U.S.C. 1681s-2 ( a ) : Prohibits the reporting of inaccurate information if the furnisher knows or has reasonable cause to believe it is incorrect. 
The following hard inquiries were made without my express written consent, and I am demanding their immediate removal : XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX I request that these inquiries be permanently removed within 30 days of receiving this notice. Failure to comply will result in my pursuit of legal action for non-compliance with federal law. 

Please send me written confirmation once these inquiries have been deleted. If you require any additional information, feel free to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit monitoring program and was twice Alerted. I had been very busy and when I took the time to review, I saw two unauthorized hard hit entrys :. 
1 ) XX/XX/2018 XXXX  for XXXX XXXX and 2 ) XX/XX/2018 XXXX for XXXX XXXX I contacted XXXX XXXX and XXXX advised reports were ordered by The Money Source and submitted a dispute on my behalf. 

I then called The Money Source and supervisor XXXX XXXX advised that Section 9 allowed them the authority to order these reports without specific written consent and no further action would be taken. 

I disagree and believe they should remove these entries where ever applicable. 

Thank you, XXXX XXXX
Product: Debt collection

I am a victim of Fraud and I am trying to protect my credit file as much as I can. I have found several ACCOUNTS on my credit report that do not belong to me. I was in the process of buying a car when it was brought to my attention. The following accounts are not mine I cant find any contracts for business with any of these companies : ENHANCED RECOVERY COMPANY # XXXX, I have requested legal paperwork from the above companies without any response so now I am filing a police report and I will follow up with a report to the FTC..
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 XXXX Account Number : XXXX Account Name : XXXX XXXX  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

I am a resident of XXXX XXXX XXXX XXXXXXXX, NY, within the XXXX XXXX XXXX XXXX XXXX. I have lived here for over XXXX years and have never missed a payment. However, the XXXX management changed last year, and I was not informed about the need to update the payment address. As a result, I unknowingly continued sending payments to the previous management company. 

Upon discovering the issue in XX/XX/year>, I promptly sent a check to the new management. Despite cashing my check in XX/XX/year>, they subsequently sent my account to a collection agency and returned the check I had sent to resolve the past-due balance. 

Since XX/XX/year>, Schwarz Collection Agency has been harassing me over this matter. I have repeatedly requested debt validation information from them, but they have failed to provide any documentation while continuing their harassment.
Product: Debt collection

I am getting repeated phone calls from this number with no message left and no ID
Product: Checking or savings account

I need the lady that called me on XX/XX/XXXX to call me back to give me details on my check that she said i will be receiving in 7 days. I need to know if or when it will be sent.
Product: Debt collection

Received notice loan was past due around the first of XXXX. Thought it was a scam so we threw it away. One Main Financial sent a new request dated XX/XX/2022, stating that the current balance on this loan was {$10000.00} and they offered a " settlement offer '' of {$5300.00}. I have zero loans on anything. I pay cash for everything and have the last 40 years. I only have two credit cards, which are paid in full monthly.
Product: Credit card or prepaid card

Comenity Bank, I can not use or access any of my Comenity accounts online due to a " system outage. '' I am on auto-pay and none of the payments have been automatically made, either. I'm receiving emails telling me I have more time to pay, until today. I still can not access my accounts. This includes my ALL Rewards XXXX, XXXX Credit Card, XXXX XXXX XXXX. This has been happening for a week.