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

I have reached out to Affirm on several occasions to have them provide a physical contract with my signature on it of XXXX derogatory debts that appear on my credit report. They have failed to respond to my letters. By law, they must provide a physical contract with my signature on it or remove it from my credit report.
Product: Mortgage

I have been communicating with LoanCare regarding loss mitigation options for the foreclosure on my property now scheduled for XX/XX/XXXX ( tomorrow ). On XX/XX/XXXX I was informed all my documents have been received, that my application was now with underwriting and pending a final decision. When calling XXXX on Tuesday, XX/XX/XXXX, I was advised that my application is still under review with underwriting pending a final decision and that the sale date for tomorrow, XX/XX/XXXX is still active! XXXX   continues to leave me in suspense and continues to violate HBOR laws and proceed with the foreclosure despite the fact I am in a current pending loan modification review. I feel no matter what I do there is always something they are trying to sneak past me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank XXXX XXXX is showing as a negative account on my credit report. Please correct this account immediately as it is currently harming my credit. Notes indicate this was included in XXXX XXXX erroneously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to have a fraudulent account from XXXX deleted from my credit report with Equifax for years now ( XXXX XXXX XXXX account # XXXX ) I have sent numerous letters asking for this account to be investigated and if verified show proof of their right to post this account on my credit report ( my last letter was file # XXXX on XX/XX/XXXX. ) I have showed indisputable proof from the IRS and Social Security Office that this account is not mine. I have also showed proof that another Credit Bureau has deleted this account as they could not verify its accuracy. In all cases Equifax has responded with a generic response that the account was verified. They verified it without showing how they investigated or proof of their verification, even though i have requested to see this information and its what the law says they must do. XXXX  continues to violate my rights as a consumer to have an accurate credit file, and must show proof that they have the right to have this fraudulent account on my credit report.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I leased a XXXX Honda Odyssey from Honda Financial Services. I have sent them a promissory note for ocer of {$43000.00}. Now the company says they habe no record of my note and has not credited my account. I have had to result to pay with federal reserve notes instead. I am asking that since my promissory note was not returned within the alloted amount of time that my account be credited if the promissory note was was deposited and the debt should be dischsrged if the note is not accepted.
Product: Credit reporting or other personal consumer reports

FCRA 605B says accounts reported incorrectly must be taken off credit reports. I'm not exactly sure what's going on, but could you review the accounts in the documents? They're not accurate on my credit report, including their status. This situation has upset me, and I'm not feeling well. Can you help me with this?
Product: Debt collection

I left my job and had a corporate American Express card. I turned the card in when I left, but after that a bill came in for equipment that the company purchased. The company should have paid the bill but did not, possibly because the only notice given was to my company email address which no longer existed, and no paper bill was sent because the company had requested paperless transactions. I received no notice until 3 months later by mail, by which time there were late fees conveniently greater than the original bill. Now AMEX calls me every night, but I keep telling them the bill does not belong to me but to the company. They are threatening to cancel my personal account and attack my credit rating if I do n't pay this bill immediately, even though it does n't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against EXPERIAN, to ask that you please eliminate any accounts that were opened under fraud without my authorization or permission. In this particular case without my presence, I also ask to remove all inquiries that are reported in my credit report, that were also solicited without my authorization. EXPERIAN knows very well, that I am a victim of identity theft, for many years I have sent over police reports and complaints and new accounts keep appearing on my report. This complaint I'm making is because I have new police reports, with new accounts that have been opened under my name under fraud. This is the best and most effective way with all the documents that I will upload to dispute all the negative accounts that were opened. The accounts that I am going to dispute under fraud is 1 ) XXXX/XXXX, ACCOUNT # XXXX, 2 ) XXXX  XXXX XXXX # XXXX with balance {$730.00}, 3 ) XXXX XXXX XXXX ACCOUNT # XXXX with balance {$95000.00}, 4 ) XXXX  XXXX  XXXX ACCOUNT # XXXX with balance {$62000.00}, 5 ) XXXX/XXXX ACCOUNT # XXXX, 6 ) XXXX  XXXX  XXXX ACCOUNT # XXXX, 7 ) XXXX  XXXX XXXX XXXX ACCOUNT # XXXX, All of these complaints that I am making for being a victim of identity theft, are backed up by a police report I made XX/XX/2019, two days after I came back from XXXX. I left this country XX/XX/2019 and when I came back I came back to all these accounts that were opened under fraud. I am following the federal law, that will protect me against this Identity theft that I was a victim to, supported by the police report and Identity Theft Victims ' Complaint and Affidavit. Also, I am in contact with all of the other companies that have accounts and inquiries under my name which were opened under fraud because of my identity theft. I am making this complaint because I'm blocked from making disputes online, and I'm also mailing you my documents. I appreciate the support and good customer service you guys have given to solve this huge problem I've had at this time. You are the best company that helps people with these problems, I hope this issue get fixed promptly, thank you.
Product: Credit reporting or other personal consumer reports

About XXXX weeks ago, I was a victim of a online job scam. I had gotten an email from my school offering online jobs. The job was from home and was to help buy products for children in need in my area. I got accepted to the job immediately. The person who was in charge send me a check and told me to deposit it. After doing so, he was asking me to send him XXXX dollars of my own money to help a child in need. Thats when I found out I got scammed. The bank placed a hold on my account for more than a week and I tried to explain the situation several times. I told them I never intentionally was trying to commit fraud and that I was a victim of a scam. The bank ignored my response to that and closed my account permanently.
Product: Credit card or prepaid card

I've had an Apple credit card through Goldman Sachs since XXXX of XXXX. In that time I have purchased four XXXX and one phone using the monthly installment plan. The first two XXXX were paid in full before the 12 month plan ended. The third was purchased on XX/XX/XXXX. I like to make early payments, or to pay more than I owe to lesson my debt. My accounts shows my first payment for this device posted on XX/XX/XXXX, with the 12th and final installment posting on XX/XX/XXXX XXXX my account shows all 12 installments posted on the day they were due ( I paid them much earlier ). The issue is, Apple is still charging me for one more month. 

If you look under any other device that still has installments due, it states " next installment on XX/XX/XXXX : $ $ $ '' For the XXXX in question, it does not say this, however it is still saying the reaming balance is {$33.00} ( what was posted XX/XX/XXXX as the 12th installment ). 

Now that a new month statement has posted, the {$33.00} installment should not be included in the amount due on XX/XX/XXXX. 

Goldman Sachs and Apple need to make their system easier to understand. It appears as if I am paying an extra month. I don't like to wait until the last minute to pay my bills. Goldman Sachs and Apple 's system for tracking payments makes life difficult for those of us who want to be responsible with our credit by making early payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted valid Identity Theft reports to XXXX XXXX, and Transunion # XXXX. I also went to the neighboring police station to file a criminal complaint. The fraudulent items are still reporting on my credit files. Either validate the debt meaning produce the original documents bearing my signature or remove the fraudulent items from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XX/XX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Third party re [ orts incorrect credit FICA score- es and the Price You Pay for Credit Your Credit Score Your credit score XXXX Source : XXXX XXXX, XXXX.Date :XX/XX/XXXX This is on ongoing problem becuse third parties NEVER have complete correct data. This caused me financial hardship!! ONly aa suit will suffice!
Product: Checking or savings account

The American Express bank, WILL Not let me into my savings account, because of a Canceled unpaid American Express XXXX Credit Card, That was supposed to be reported lost and or stolen, so that I can still access my savings account. The customer service Person on the phone say 's that the account has been closed and refuses to allow me the credentials needed to login to the account. I tell them can I take money from my savings and pay the canceled credit card that way, just to be fair? And they still act like they can not even do that because they may or may not really work for American Express. 

One of them sounded like a foreigner and the other sounded like a XXXX. 

Ive got XXXX XXXX dollars worth of savings insurance with this particular account, and It may seem XXXX to regular working class people but there is no way a foreigner or XXXX would ever be able to access and dole out my XXXX XXXX dollar insured savings account to me. PLease help me with this problem because it was nearly the only bank that I could find that had any kind of Savings insurance to brag of. On top of that I invested and sold Stock for the company of American Express and have used the bank as a personal bank since 2004. I demand this problem and issue with a XXXX and or foreigner getting their little poor foreign XXXX feeling hurt over big and rich XXXX XXXX. XXXX XXXX XXXX from XXXX and XXXX bankers association would call that a small personal problem, that they have no problem fixing directly for you. If you do not resolve this problem your going to need an expensive business Lawyer to match wits with a XXXX business Lawyer of XXXX XXXX Choosing and be Sued and held liable for causing personal Problems with XXXX XXXX finances and Home Marital Life. He does not care one bit about some XXXX XXXX or foreigners feeling that they feel so small compared to the tycoon. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Company called NCC Business Service # XXXX says I owe them money. I do not owe them money. I have never been contacted by them personally saying I owe them anything. Nor, any company they are associated with have I ever received anything about owing them debt. Please help me thank you. They sent to XXXX to ruin my credit on XX/XX/15 for XXXX. I owe NCC Business nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX 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/2021
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and have identified several discrepancies that need to be rectified, immediately. 

I have attached copies of supporting documents that clearly demonstrate the inaccuracies mentioned above, such as government-issued identification card, utility bills, or any other official documents validating my accurate personal information. I kindly request that you delete the inaccurate personal information from my credit report as soon as possible.

Please note that the inclusion of such inaccurate information can have a detrimental impact on my creditworthiness and may affect my ability to obtain credit or loan approvals. Furthermore, I would appreciate your assistance in notifying all third-party entities, including financial institutions, creditors, and any other organizations that may have accessed my credit report, about the removal of these inaccuracies. This will ensure that they have the most up-to-date and accurate information regarding my personal details. In compliance with the Fair Credit Reporting Act ( FCRA ), I expect a thorough investigation to be conducted within 30 days of receiving this letter. I also request that you provide me with a written confirmation of the removal of the inaccurate information from my credit report. I understand that, as per the FCRA, the credit bureau is required to inform me about the results of the investigation and any actions taken to rectify the inaccuracies. Additionally, I reserve the right to dispute any incomplete or unsatisfactory investigation results. Thank you for your prompt attention to this matter. I trust that you will handle my request with the utmost diligence and professionalism.
Product: Bank account or service

Bank of America has not refunded the {$300.00} closing balance on savings # XXXX due to confusing poor service. Please see attached letter to Bank of America CEO which explains the circumstances. 
Thank you!
Product: Prepaid card

I am the victim of a phishing scam, which began on Friday, XX/XX/2023. I was led fraudulently to believe that I owed a merchant money but that I could repay the debt by purchasing American Express and XXXX gift cards. I realized that I was being scammed a day or so later. I tried unsuccessfully to block the use of the XXXX gift cards, but they had already been redeemed. I called American Express and successfully blocked access to XXXX gift cards worth a total of {$1400.00}. Realizing the next day that the scammers possession to all the pertinent numbers to all of the cards made them susceptible to his unblocking them, I called American Express again and requested replacement gift cards. A phone agent asked me to provide the serial number on the back of each of the cards in my possession ; I did so orally with him. He provided me an email address, XXXX, and a case number ( XXXX ), instructing me to send an email to this email address and to attach a pdf copy of the front and back of my drivers license. He did not ask for any additional information. He advised me that because of the number of cards I was asking to have replaced, the resolution of my case could take up to 30 days, a point stated in the acknowledgment email. When I called XXXX ( XXXX XXXX XXXX ) a little more than two weeks later for an update on my case, I was told that it remained unresolved. 

On Friday, XX/XX/XXXX, I called XXXX to learn how or whether my case had been resolved. I gave the agent my case number and number. After putting me on hold, the agent returned to the call and repeated the request of the agent who had opened my case 31 days before and taken my information : would I please email a pdf copy of the front and back of my drivers license. I told him I had already done so a month before. I asked to speak to someone in charge at American Express ; he transferred me to his supervisor, who required five attempts to take my name, address, phone number and email address. Finally, she said I would need to send copies of the front and back of all of the compromised cards in question plus the receipts. I asked ( rhetorically, in fact ) why I was being asked for this information now, at this point of the resolution process. Accepting as evident what I had suspected all along, especially given other consumers online comment about deceptive and fraudulent practices at American Express that my case was not being handled in good faith I terminated the call. American Express is attempting to take the place of the original phishing scammer, seeking to keep the {$1400.00} I had spent on American Express gift cards.
Product: Credit card

I was charged a {$500.00} unsubstantiated fee. I am a widowed, XXXX veteran, mother of XXXX with XXXX child under XXXX still living at home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on my credit pay status balances, example a collection agency that the vendor was paid direct I don't owe the collection agency. 

a loan reporting late but has never been late and is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Jared is showing on my credit report as a charge off that is a closed account on XX/XX/2016. This company does not show the payment status on the credit report. It also shows that the last payment was XX/XX/2016 which is after the account has been closed. During the time the company had me enrolled in payment protection insurance without my consent.
Product: Bank account or service

TD bank is charging me {$170.00} in overdraft fees for using my debit card before a check cleared the next day along with charges on my card so the money was there.
Product: Debt collection

Procollect inc Placed for collection : XX/XX/XXXX Balance : Date Updated : Original Amount : Original Creditor : {$5000.00} Pay Status : XX/XX/XXXX {$5000.00} XXXX XXXX XXXX XXXX ( Rental/Leasing ) > XXXX XXXXXXXX >In Collection< Responsibility : Account Type : Loan Type : Individual Account Open Account COLLECTION AGENCY/XXXX  This company has constantly ignored me and my situation Im in. I reported it as fraud and had an affidavit signed to get this removed with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account from  Hunter Warfield  showed up on my credit report about two weeks ago. This account is not mine. I have contacted the company and asked them for help removing it and for relevant information about the account. It is from an apartment I have never lived at or been associated with. The address of the apartment does not even show up on my credit file. They said they have been reporting since  XXXX , but it only showed up on my credit file in  XXXX  of  XXXX !! I have perfect credit and this account is ruining my credit. I have NEVER been sent any type of letter or bill from this company in the 2 years that they have had this account, and again I did n't even know this account excited till two weeks ago. I have called the company and they are unwilling to help or work with me. They want me to provide information that is so old and almost impossible to get, they also said that any information provided they would call and verify it as correct, which is invading my privacy. The information showing up on my credit file is as follows.      Hunter Warfield   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX   XXXX  Date Reported :  XXXX  Date Assigned :  XXXX  Creditor Classification : Rental Leasing Original Creditor :   XXXX   XXXX   XXXX   XXXX   Account Number :  XXXX  Account Owner : Individule Account Original Amount Owed : {$4500.00} Date of  XXXX  Delequency :  XXXX  Balance Date :  XXXX  Balance Owed : {$5200.00} Status Date :  XXXX  Status : D-Unpaid This is not my account and I want it removed from my credit file! Please help me stop this company from illegally doing whatever they want and reporting incorrect information to the credit reporting agencies!
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : PENTAGON FEDERAL CR UN Address : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Credit Card : Ending in # ... XXXX During the week of XX/XX/XXXX, I spoke to PenFed representative XXXX XXXX. She confirmed that if I made a payment to this credit card by Friday, XX/XX/XXXX, it would bring the account current and that no negative information would be reported to the Credit Bureaus. I made the payment on Friday, XX/XX/XXXX, as I promised. However, the next day, Saturday, XX/XX/XXXX, PenFed Credit Union still reported me 30 days late on this credit card account. PenFed has reported this information to all three Credit Bureaus, and my credit score has suffered significantly as a result ; negatively impacting my ability to buy a home.