23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and the aftermath has effected my credit file unjustly and tremendously. I've requested a Method of Verification from the 3 major credit reporting agencies but never received anything. However, these accounts do not belong to me. Please block and remove. 

1. XXXX {$1000.00} 2. XXXX XXXX {$300.00} 3. XXXX XXXX   {$320.00} 4. XXXX XXXX {$300.00} 5.  XXXX {$500.00} 6. XXXX {$500.00} 7. XXXX {$790.00} 8. XXXX XXXX   {$790.00} 9. XXXX XXXX {$470.00} 10.  XXXX XXXX {$60.00} 11. XXXX XXXX   {$790.00} 12. XXXX XXXX {$310.00} 13. XXXX XXXX {$730.00} 14. XXXX XXXX {$160.00} 15. XXXX XXXX {$110.00}
Product: Mortgage

I was under bankruptcy because my mortgage was XXXX $ so I was contacted by XXXX XXXX XXXX XXXX and they work with preferred law, this was in XXXX 2015 so we started a packet they asked me to fill out documents send them back and they said my file will go to my lender and a negotiator and that it will take 10-15 days we 'll they been asking for the same info for six months they collected over XXXX, they claimed my insurance was escrowed Ave it never was, the switched all my contact info to them so I could n't contact my lender not could they contact me, they had me stop my bankruptcy, and also told me not to send any money to my mortgage, I 've asked over and over for proof and results since it 's been over 6 months or to give me a refund they did n't try to resolve it nor when I kept asking for proof and asking questions they ignored it they said they closed my case and I probly ca n't get a refund because of all the so called work they did, ask they have done was have my old mortgage servicing company send them my mortgage note, I at my own expense sent all required documents called my lawyer and did most of the fit work, I did alot if work on my end they ca n't show me proof of anything but asked for more money they said the {$3900.00} was for ask the work they done and that the extra money is for continuing my case well that 's what the letter I got says they have a retainer agreement that says that amount of extra money is for something else and i was verbally told the money is for them and then getting needed info I 've caught them in so many lies and nothing ads up all I isa refund so my child can have XXXX there 's so many discrepancies i ca n't think of them all to note but I can say this they have complaints with the XXXX even on there own XXXX page under preferred law they have complaints I 'm trying to do ask that 's possible get my money back and try to get a real modification, I have a new mortgage servicer which I never knew about I accidently going found out about then when I got insurance I 've tried contacting them with no luck because preferred law had it so I ca n't. I was trying to get a modification through XXXX XXXX and they denied me, note I 'm going to try state bridge but they will not return my calls it looks as if I 'm going to lose my home and I do n't even know if I 'm in foreclosure because I have no contact with them they 're not rerunning my calls
Product: Credit card or prepaid card

I made a payment of {$990.00} on XX/XX/XXXX using XXXX XXXX XXXX to my American Express credit card. XXXX says they sent the payment and has provided me with a receipt. American Express has not credited my account and tells me they have not received the payment. I have made payments in this way before, and it worked just fine, but American Express will not credit my account despite the fact that I submitted all documentation that XXXX will provide. American Express says they need a transmittal form, which is not something XXXX will provide. American Express has a bill pay agreement with XXXX, but no one I speak with at American Express seems to know how it works because they keep asking me for documents that XXXX doesn't provide. My money is gone from the pre-paid debit card that I used for the payment, but American Express keeps claiming they didn't get any payment. I am out {$990.00} because they won't help. 

I have submitted 2 payment disputes through American Express, and they have closed them both times, saying that I have not provided the proof they need, and asking for documents that do not exist for payments made through XXXX bill pay.
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # 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 : it also states a consumer reporting agency Can not furnish a account without my written instruction. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse Item of information, other then records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, these inaccurate accounts have violated my rights. Please see below : XXXX XXXX  XXXX - XXXX - please Delete this account for violation because the date of last activity is reporting inaccurate dates. 

XXXX XXXX  - XXXX  - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX  XXXX XXXX - XXXX - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX XXXX XXXX - XXXX - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX  XXXX - XXXX - please Delete this account for violation because the charge-off, date of last activity is reporting different dates. 

XXXX XXXX  XXXX - XXXX - please Delete this account for violation because the charge-off, date of last activity is reporting different dates. 

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the reporting credit bureaus are in violation Equifax XXXX And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Product: Debt collection

The company did not have any of my information until XXXX XXXX  XXXX  provided them with such information ( telephone number, address, date of birth, etc. ) when I was in a car accident XXXX XXXX my car was totaled and XXXX  XXXX  said they couldnt pay me out because a lien was showing up. I was confused because I wasnt aware of any lien on my title. Jeffersons  capital, Jefferson capital, jeffery capital  whichever name it is has been contacting me since and sending me notices. The agent name at progressive is XXXX. But I requested this so-called accounts information and they have yet to provide adequate informational support for me.
Product: Credit reporting or other personal consumer reports

My personal information was used to apply for credit. I am a victim of identity theft. Please remove and block these inquires from my credit report. 
XXXX XXXX ( Retailer ) XX/XX/ XXXX XXXX ( Finance ) XX/XX/ XXXXXXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/ XXXX XXXX XXXX XXXX ( Retailer ) XX/XX/ XXXX XXXXXXXX XXXX ( Bank XXXX XX/XX/XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I recently tried to receive a refund that was drafted out of my account, but zelle would not grant me a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 and XX/XX/18 I sent in XXXX letter asking Experian to validate the bankruptcy that is being reported on my report on XX/XX/18 and XX/XX/18 I was sent a paper stating they would not remove the inaccuracy nor would they allow me to dispute the information with them again because it had been verified, not once have I been given the paperwork showing where, when or how this was validated. I contacted the Bankruptcy court and received a letter back stating they do not provide information to credit reporting agencies, the only way they will validate this is if someone comes into the court office and review records.
Product: Vehicle loan or lease

On or about XX/XX/XXXX I submitted a new car loan application for a XXXX XXXX XXXX at XXXX XXXX XXXX. I had already received a preapproval from XXXX XXXXXXXX XXXX with a rate of between XXXX - XXXX percent, Which I told the dealer. The dealer suggested that they could get me a better rate, which they did IF I purchased several aftermarket car detailing products, including ceramic shield for the exterior and " insurance '' for the wheel rims and tires. Purchasing these products reduced my interest rate, but kept my monthly payment almost exactly the same as the higher rate I was presented with when i came in to sign the paperwork. To be clear : the dealer was vague about the actual rate saying only that the rate is less than XXXX XXXX 's highest rate, which is true, but what was not disclosed was that to received the lower rate I had to buy these products. I wrote to wells Fargo to complain that, at the time, as an established customer of more than a decade ( checking, savings, brokerage and credit card accounts ) I was surprised at not only how noncompetitive the rate was for a credit score above XXXX but that I would be required to buy that much dealer products to qualify for what is at best an average rate for my credit score at that time ( XX/XX/XXXX ). I filed a complaint with Wells Fargo in XX/XX/XXXX. The answer was disingenuous at best, saying in part " the rate was competitive based on your credit score. '' The average rate for that credit score in XX/XX/XXXX was about a point lower, especially given I put down approximately {$14000.00} or almost XXXX percent of the purchase price.
Product: Debt collection

I believe XXXX XXXX XXXX billing department better known as University Accounting Agency, attempted to report Double Jeopardy Tradelines and a bogus claim to the Credit Bureau, namely XXXX, on my credit report. I have disputed the information reported from XXXX XXXX several times and still the matter has not been updated or resolved. 

*XXXX  reported 150 days late in XX/XX/XXXX. However there is no 30, 60, or 120 days late reporting prior to the XX/XX/XXXX. 
*XXXX proceeded to report a 180 day late and then a Charge Off on the account in XX/XX/XXXX. 
*XXXX continued to report a Charge Off in XXXX and XXXX of XXXX. 
*However, all of a sudden, XXXX begins to report OK on my credit report from XXXX XXXX XXXX 
*Then in XX/XX/XXXX XXXX reported 180 days late on my report through XX/XX/XXXX. 
*XXXX  then turns around and report OK on my credit report XXXX & XX/XX/XXXX *Lastly, in XX/XX/XXXX AGAIN reported 180 days late. 

I would like XXXX bogus and misleading practices investigated. I am requesting that XXXX XXXX either delete the account from my Credit Report ( s ) or delete the fraudulent reporting after XX/XX/XXXX because the account had been Charged Off XXXX and should not have continued with it's to untrue reporting.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have provided documents such as police report and affidavit of identity that and company will not delete the information.
Product: Checking or savings account

I havent been able to use or spend more than {$500.00} a day, even if I have 10 times that in my account. I have to pay rent in segments and sometimes I cant buy food on days that I have to pay bills. 

This has went on for three years. 

I try to no longer keep anything in my bank account now unless Im planning an online bill pay. 

Ive ran XXXX  on myself. 
I cant find anything on myself causing this limit. 


Ive spoken to Wells Fargo so regularly about this. 

I cant even use direct deposit because theyve tried to hold my deposits for as long as two weeks, even if its a routine biweekly deposit that Ive been receiving for two years and even if there wasnt a hold, I only would have access to a small percentage of it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX is in violation of Texas DCA, FDCPA, Privacy Act as well as other Federal and State violation. I demand for them to cease and desist their misleading communications using false allegations without verification 15 U.S. Code 1692c ( c ). This company is trying to extort money from me as well as traffic my information. I have no business with them nor have i authorized any such actions against me. This is abusive business practices using my private informations causing more exposure of my principal identity. This is a breach of my privacy and theft of identity. This company shall be fined and I will do what ever it takes to open all necessary investigations with the regulatory agencies.
Product: Credit card or prepaid card

It is about Binary Option trading Company called XXXX XXXX. Who took my Credit Card money totaling {$68000.00} and said they would invest it in stock trading and they would make payments to my credit cards on a monthly bases. As days and weeks and months went on I said where are my payments to my credit card. So In XX/XX/XXXX they credited my credit card {$1200.00} and in XX/XX/XXXX They send me money of {$2100.00} to my Bank Account for more payments. So when this all started in XX/XX/XXXX thru XX/XX/XXXX they said they would send me payments each month, but after XX/XX/XXXX. they said they were no longer going to pay any more money to my credit cards. So XXXX I XXXX XXXX XXXX and found some people getting scammed with this merchant. I Talked to the account manager and I seen that their business did not have a binary option trading in the United States. After that XXXX XXXX shut down their business on line and disconnect their phone and I could not talk to them anymore. So them I disputed all 3 credit cards XXXX XXXX, XXXX XXXX .I received credit to credit cards totaling {$24000.00}. The disputes that I had with Bank of America card Totaling {$40000.00} I did not receive any settlement from them because they said I received credit back to my credit card and my bank account. So the question where is my {$40000.00} that XXXX XXXX has. I checked with an Attorney and they said the merchant is not in XXXX, XXXX. They are in XXXX XXXX, XXXX and they are a scam binary option trading stealing peoples money. The attorney told my that they are after them for millions of dollars that they took from people.Bank of America will not return my money to my account that I disputed and also the money they took from my credit cards is the same money they sent back to me as credits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX CARD. The dates were XXXX, XXXX, XXXX XXXX/XXXX XXXX, XXXX, XXXX/XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX my income was affected due to the COVID-19Pandemic shut down. I am in the middle of moving and this late mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations.
Product: Credit card or prepaid card

I called Citi and explained 2 days before the due date of the payment that it will transfer late.  The rep said it wasn't a problem but because the fee isn't in the system,  I need to call afterwards to get it removed.  When I got my next statement,  I called to get the fee removed but this time the rep said she would not remove the fee. Since I had no balance on the card except the fee, I told her I will not pay the fee and to close my account.  Next month they continued to put a fee on top of the fee.
Product: Mortgage

My name is XXXX XXXX and I would like to thank you in advance for expediting any assistance you can render as the property of which I am writing is scheduled for Foreclosure sale on XXXX XXXX, XXXX. Suffice it to say -- - I am in dire need of assistance. 
As mentioned, my name is XXXX XXXX. In XXXX my mother, XXXX XXXX, who is near XXXX years of age took out a reverse loan on her property - XXXX XXXX XXXX XXXX XXXX, MD XXXX. Unfortunately, she did not pay the taxes and her home was purchased in a tax sale by Champion Mortgage. When Champion Mortgage could not get their money for the taxes they went to court and had my name added to the loan. Thereby making me liable.The property is scheduled to Foreclose on XXXX XXXX. It was recommended that my mother file bankruptcy to stop the foreclosure. What else can we do? I am very troubled by all this as I do not want to file bankruptcy, In fact, I do not believe my name should be on the loan. Please help. My Real Estate Agent - XXXX XXXX at XXXX My mother - XXXX XXXX - XXXX and my number XXXX -- Please leave a message and I 'll call you back immediately. I am working and would have to find somewhere to talk in private.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on my credit file. This has cause mental health issues..Reporting wrong information on credit history report is wrong. Seeking compensation for wrong information on my credit report
Product: Credit card

After paying my credit card off with aspire credit card company almost down to the last payment i was still being charged interest and monthly fees on a non used credit card after paying the last payment and the bill was XXXX again i was charged interest and fees on a XXXX amount paid off credit card they are charging me this every month before the billing due date with will run my credit back up.i called and talk with aspire manger they claimed they made changes in which i never received I've been charged these fees even though i wasn't using my card and still being charged on a XXXX balance.
Product: Credit reporting or other personal consumer reports

Many inquiries were unauthorized on those dates that I did not give permission to. My email and my mobile telephone were overtaken by the thief
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX - Late Payment XXXX  XXXX - Late Payment XXXX  XXXX - Repossession XXXX XXXX XXXX XXXX -Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Late Payment XXXX XXXX -Collection XXXX XXXX  XXXX XXXX XXXX XXXX -Collection XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Bank Re-opened and Closed their online portal before I could upload documents ... Claimed dispute is flagged as closed so gathered data is useless ... I have no way of getting around and no analogue phoneline to fax ... 
90 Minute Holds result in a dumped call regarding the mishandled case in which I was told one thing, but The bank performs a totally diff action. 
The Data upload situation is a Catch-22.
Product: Credit reporting or other personal consumer reports

I am writing to request a re-investigation based on new evidence of updates regarding a XXXX XXXX account reported on my TransUnion credit report with a balance of {$6100.00}. The account is also listed as a charge-off, which raises concerns about the accuracy of reporting a charge-off status alongside an outstanding balance. If the account has been charged off, I question why a balance is still being reported. This inconsistency suggests that the information on my credit report is inaccurate, which is negatively impacting my credit score. I am challenging the accuracy of the recently updated information, including the charge-off status, balance, payment history, payment status, last payment date, and any other related details. These discrepancies require further investigation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to request a re-investigation of any disputed information, especially when new updates are involved. I ask that TransUnion verify the accuracy of all details related to this XXXX XXXX account. If TransUnion decides to maintain the account on my credit report, I request a detailed description of the procedures used to verify the accounts accuracy, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), and include any supporting documentation from XXXX XXXXXXXX, such as payment history and account statements. If the information can not be verified or corrected to accurately reflect my account history, I request that the account be removed entirely from my credit report. Thank you for your prompt attention to this matter, and I look forward to your response within the 30-day period stipulated by the FCRA.