23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

In XX/XX/XXXX my immediate family suffered XXXX tragic deaths. We all pulled together and had to pay for XXXX funeral/burials - then again in XX/XX/XXXX, my XXXX and XXXX passed, leaving us to bury them also. In XX/XX/XXXX I fell behind on my credit card payments due to the foregoing and contacted my creditors looking for a way to resolve the issue. They all referred me to a Debt Relief Program to assist me and assured me that they work with the consumer once you enroll in the debt relief program. I did so and enrolled with XXXX paying them every month for payment to my creditors. However, this is not what happened. Creditors closed my accounts and reported to the XXXX credit bureaus my accounts were " charged off ''. THIS IS NOT WHAT THEY PROMISED ME and now my credit has been ruined I have been unable to obtain decent interest on loans and unable to rent a place because of the negative reports. I eventually obtained a Consolidation loan through XXXX and all creditors were paid in full = some according to a negotiated balance. Capital One in particular has reported me as a charge off and some accounts do not show the balance paid in full. I have faithfully paid Consolidation Plus each month for my monthly payment for almost one year and will continue to do so until the balance is paid in full. My complaint is that these creditors promised by enrolling in a debt relief program that they would work with them and thereby saving my credit reputation from any negative reporting. This has not been done and now my credit score is suffering. While I realize the tragedies that happened were not the creditors ' responsibility, I could have filed bankruptcy and had all of the debts, including mortuary and cemetery charges discharged but I did not. I have paid them all off and continue to pay until the loan is paid in full.
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 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 ) Section 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Debt collection

The debt being collected is not my debt or account. I dont owe money to XXXX. Not my debt or account. Wrong person/name. This collection agency is reported incorrect information to all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and ERquifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. I tried contacting the XXXX and ERquifax Credit Bureau and the XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XXXX XXXX JPMORGAN CHASE sent me a settlement offer in the amount of XXXX due within 30 days I sent two money orders securely attached with staples and staggered so as to make them visually seen. They mishandled the XXXX XXXX money orders and posted one payment to my account and did not post the other. Upon submitting copies of the money orders they posted both payments sent a letter thanking me for my final payment and then proceeded to retract the letter stating they did not receive payment and that the settlement offer was revoked. They claimed they did not receive the payments or the funds had been sent back for lack of funds. On XX/XX/XXXX, I proceeded to send them receipts from the store of purchase the stubs from the money orders the copies of the letter showing items securely attached and also the telephone number from XXXX XXXX that shows they cashed one and did not cash the other although both had been sent on the same letter. JPMCB is in possession of all proofs of payment and receipts as of XX/XX/2021 they had scanned and uploaded into their system with no change being made to the credit reports. Fiduciary duties have been ignored They failed to have a proper accounting They failed to show reasonable care and diligence when posting the received payments by only posting one payment of the two securely enclosed in the same envelope They have acted dishonestly by reporting the account to the credit bureaus incorrectly even after being supplied ample proof of payment. 

Todays date is XX/XX/2021 Chase has not made itself accountable for its mishandling of the funds and has cost me 2 job opportunities for its wreckless acts. They have also invalidated the settlement agreement by FRAUDULENTLY stating the payments had been sent back or not received the payments have not been cashed and they posted one of two XXXX XXXX  money orders from the same envelope. They even went as far as saying the shredded the other payment without any proof that this in fact happened. Which would also constitute lack of care in handling currencies.
Product: Credit reporting

I have been disputing XXXX loan companies that have used my information without my authorization. XXXX XXXX XXXX has issued a loan to someone who is not me in the amount of XXXX. XXXX XXXX XXXX issued an unauthorized loan in my name for XXXX. I have never received any monies from said companies nor have I made any payments towards the fraudulent loans. Neither of those loans are authorized by me. Despite numerous correspondence, Equifax continue to list the fraudulent accounts on the credit report. I have provided sufficient evidence that I have a victim of identity theft ( Victim 's copy of police report, Identity theft affidavit, XXXX XXXX XXXX statement proving that the loans was sent to a FRAUDULENT account in my name ). I have opened several disputes with the Equifax company to no avail. XXXX and XXXX have both removed the fraudulent loans. Any assistance with this matter will be greatly appreciated. Please forward any documentation requests you may have.
Product: Credit reporting or other personal consumer reports

The trade line entry for XXXX was recently disputed because it was showing the current account status as being a charge off with a balance and reported activity after the account was paid. Although they did remove the balance, they did not correct the current active status of the account which still shows that its in a charged off status. This account is not charged off and should not be reported as such. I think its ridiculous that someone can provide be a certified mail documents directly from the creditor indicating that this account is not charged off and has XXXX balance and yet you decide to ignore such documentation and not provide a proper investigation as outlined by the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  Account # XXXX Have all 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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, or personal loan

XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/2022 Affirm account number : XXXX Loan ID : XXXX To Whom It May Concern : On XX/XX/2022, I was approved by Affirm.com for an online purchase for a XXXX  Controller Case from The XXXX XXXX Before I purchased this Case, I called Customer Service and asked about the case, asking will the case fit my Controller without any problems. I was told the case will be a perfect fit. I went ahead and purchased the case. A Few days later the case arrived. Once I opened the box, I immediately noticed the case was huge and heavy, and it did not fit my controller as stated by customer service. 
I immediately called customer service and advised them the case was too big and it was very heavy. I asked for a return slip, and I was told the case was a Clearance sale, with no returns. When I placed the order, I did not notice any clearance sale. At this time I immediately called Affirm.com, advising them I am canceling the order and sending the case back to The XXXX  Hookup costing me {$56.00} and returning the case on XX/XX/2022. 
After calling Affirm several times to resolve this matter, they continue to bill me for payments and ruin my credit for {$360.00}. Last month I applied for a {$5000.00} business loan, I was declined and told I have a past due account since XX/XX/2022 with Affirm.com. I need your help to litigate this matter, asking for damages to my credit reputation. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

This account is invalid. CITICARDS CBNA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

CITICARDS CBNA XXXX
Product: Debt collection

I paid XXXX and was up to date with my payments at which point I starting having issues with the service. I called XXXX to resolve the issue. They even provided me with the date and time someone was coming to resolve the issue. No one to this date has showed up to restore service. For several weeks I was without service to function as a business. XXXX  could not reach me, I could not service any customers. This was during the holidays XXXX XXXX XXXX XXXX and several customers needed XXXX XXXX XXXX. My only solution to this problem was to go back to my previous provider. XXXX did not even take my calls when I tried to reach them after they told me they we sending someone. 
After several weeks I finally got someone on the phone in customer service. I explained the situation and told them I wanted to find out how to return the equipment and phones. I also asked if there was anything further I needed to do. I was told no and I would be receiving the label in the mail to return the phones and equipment. When I didn't receive the label after several weeks, I emailed the account manager. He tried to reach out and was not successful. He then said I could take the phones and equipment to the store. I took the equipment and phone to the store and the associate on duty told me I would have to keep it because I already paid for it. I emailed the account manager and he said that was not correct so I went back to the store and returned the equipment and phones. 
XXXX is seeking to bill me for service I did not received. They seem to have taken back credit they gave prior. I have never received such horrendous service with any company other than XXXX. I have received letters via mail from waypoint and have responded, but I still continue to receive these letters in the mail
Product: Credit card or prepaid card

Had reached settlement agreement with TD Bank to settle account for {$1500.00} in XX/XX/XXXX. I called TD Bank and made payment over the phone with td bank agent in XXXX of XXXX and instead of taking the amount that was agreed to in writing and over the phone, the agent took the full balance of {$3100.00} without my permission or knowledge. Attached is the agreement in writing and receipt from the website on the payment amount and date they took it. 

In the meantime, I have been in touch with TD Bank since XX/XX/XXXX. I spoke with several people. The last person I spoke with was a supervisor named XXXX XXXX. His agent number is XXXX. He reviewed the phone call from XXXX on XX/XX/XXXX and verified everything above. He stated he is reaching out to his accounting department to see what could be done. He told me he doesnt know if they will refund me or not. I asked for that in writing and anything else they do and he couldnt provide me with anything but passed the message along. I asked for a resolution timeframe and he could not provide me with any timeframe.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 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

Not showing a new account on my credit reports, that has been submitted in a timely manner according to the creditor, XXXX XXXX, also known as XXXX XXXX Secure Credit Card.
Product: Credit card or prepaid card

In the beginning of XXXX, I applied the Amex XXXX XXXX with a welcome offer containing XXXX Membership Rewards points after spending $ XXXX, and XXXX times points rewards on restaurant purchases. I got approved. 

But in the following months, there's no extra points rewards on restaurant purchases. I talked to an online XXXX, who told me my welcome offer was declined and suggested me to call a XXXX  for more details. Then I was told the welcome offer is there, no need to worry cause his level is higher than online XXXX '. After XXXX months, I've already spent over $ XXXX on this card. Still no welcome offer. I called a rXXXX and was told that the welcome offer was declined. But there was no notification at all.
Product: Credit reporting or other personal consumer reports

a {$2300.00} collection that doesnt belong to me is on my account
Product: Checking or savings account

Re : Bank of the West not BMO. 
On XX/XX/2023 I made XXXX deposits of {$5000.00} each into XXXX XXXX XXXX XXXX XXXX checking account ( Account # XXXX ). The deposits were in XXXX currency which were XXXX checks. On XX/XX/2023 I got a credit of {$3600.00} which was for one of the check. I went to the bank and inquired why I got only one credit. There should have been two credits. The teller, XXXX told me she will look into it and asked me to check in again in few days. I checked in in about a week and I was told that there was a problem with mail and she will inquire with the copies she has in her office. I kept checking and there has been no satisfactory answer. Three month ago she asked me to check with the payee if the check had cleared his bank. Which I did and asked the payee to send me copy of cleared check which I provided to Mercy at the bank. She told me that she will start an investigation and get back to me. I kept asking her on weekly basis but she kept telling me there has been no result. Yesterday on XX/XX/2023 she called me and said that she got information from the investigation office of the bank and the case is being closed because it is too old without any result. She didn't say anything about crediting the account.
Product: Debt collection

I sent dispute letter to all three credit bureau it was removed of XXXX but XXXX  will not remove it I sent out dispute letter own XXXX and also sent one own XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  credit card was sold to XXXX XXXX XXXX. XXXX XXXX XXXX sold the XXXX XXXX credit card account to XXXX XXXX. It was XXXX XXXX who settled my account with me, comments on my account should be paid and settled account. Paid charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a senior citizen now and have a fixed income, social security check and I also work part time and have a pension. I filled out a credit application on XX/XX/18 for an auto loan with XXXX XXXX in XXXX Ma. They sent my application to 3 different banks and all 3 denied me credit because of the following : Proportion of balance to credit lmt too high on revolving accts Amount owed on revolving accounts is too high Too many accounts with balances Too many recent credit checks I have never asked for or applied for any credit in years, so I believe the last statement is not valid. I have had credit cards for over 20 yrs. and have never missed a payment or never been late on any card. I am able to manage my money. My daughter and I own our home together and each pay half of the mortgage, utilities and food. This is how I am able to manage my money. I need a car to get to work, grocery shop errands, etc. and have never been denied credit to get a car. Currently I lease a car and it has worked out great for me. The car is due back by the end of next month. Now, because I've been denied credit, I'm so afraid to go anywhere else to try and get another car. I have to have a car and I don't know where to turn or what to do .... I'm so worried and anxious all the time. My credit score on the letters says it is XXXX and the other 2, XXXX. If I look online, XXXX  has it as XXXX. I believe this is a good score. A car is a necessity, and if I've never been late or missed a payment, I feel I should not be denied. The following are the names of the companies : XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello All, The following hard inquiries are fraudulent and doesn't belong to me and need to be removed please. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Thank you Best Regad
Product: Debt collection

I tried to go in person to resolve this in XX/XX/year> XXXX and turned keys and everything in. They didnt mention me owing anything after that day. I was looking at my credit report and I found out that by looking at it. Never got an email or notice in the mail for this.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to the credit bureaus for a vehicle loan that has been appearing on my credit file. According to federal law, the creditor is to provide me with the original documentation when requested. I have mailed them a request for method of verification and supporting documents since XXXX. The only response I am getting from the bureaus is that they can make a decision without having to contact the lender. I have rebuttled their argument by stating that they have to provide me with all the original documentation to prove to me that this is my account and they are not able to produce such documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the following inquiries on my credit report. These inquiries are a result of FRAUD/Identity theft. Please remove the following inquiries from my credit report as I do not recognize them. My personal information was exposed in the XXXX data breach. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX