23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have a medical bill that is reported by XXXX separate collection agencies which are the same bill. I believe XXXX of those should be removed. It is for the amount of {$750.00} and is reported on both XXXX & Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Bureaus Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be 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
Product: Mortgage

We have owned our home for 14 years. We did a refinance a few years ago that promised to pay off our mortgage in a shorter time. The interest rate was 7.65 %. In the mean time the economy tanked in XXXX Oregon where we live and times were difficult. We did get a loan modification but we have tried to refinance to get a lower interest rate. Our mortgage was recently sold to DiTech and we applied for a mortgage to refinance at a rate of about 4 %. They denied us based upon our credit history. They apparently believe we can not make our payments even though our payment history on our mortgage has been spotless for over three years. This is very self-serving of them. We would have saved about {$300.00} per month but instead, because they denied our refinance to a lower rate, we must continue to pay them more. Is this fair? Legal?
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1666b 15 U.S. Code 1692 15 U.S. Code 1692 I am writing to dispute the late payments reported on my credit report for the account with XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX l Individual Date opened XX/XX/XXXX. According to the law 15 USC 1666b ( a ), a creditor may not treat a payment as late unless they have adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I have never received the periodic statement along with the disclosures required by section 1637 ( b ) of the Consumer Credit Protection Act from XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX l Individual Date opened XX/XX/XXXX Despite requesting proof that this information was sent to me at least 21 days before the payment due date, These companies failed to provide such evidence. 
As per XXXX XXXX, I have requested this information in good faith and it is the responsibility of the creditor to provide evidence of compliance with the law. Since XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX l Individual Date opened XX/XX/XXXX has failed to provide this evidence, I kindly request that the late payments be removed from my credit report. 
I would appreciate it if you could investigate this matter and update my credit report accordingly. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting a bankruptcy on my credit report that has not and can not be verified because federal court does not report to any of the credit bureaus.
Product: Credit card or prepaid card

I received an offer on an American Express card which indicated the following : Get a one-time {$65.00} statement credit by using your enrolled eligible Card to spend a minimum of {$250.00} in one or more purchases online at XXXX XXXX XXXX and in-store at XXXX XXXX XXXX XXXX, Just XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021. See terms. 

Upon visiting the website indicated I clicked the " Auto Services '' link in which provides an option to find a service center. Upon entering a zip code, I'm presented with recommended locations, which I visited one of the recommended locations on XX/XX/2021 and spend the required {$250.00}. Unfortunately, American Express indicated that the purchase was not eligible as it was not a XXXX XXXX. The only exclusion listed in the terms was XXXX XXXX XXXX XXXX which the location I visited was not. XXXX XXXX XXXX have a different website and services commercial/fleet vehicles as shown in this link XXXX XXXX XXXX. 

As I consumer, I felt I did my due diligence to visit the required website to find an an XXXX XXXX center. I'm not sure how as consumer would have been able to know that XXXX would recommend an auto service center that was not an actual XXXX service center. If there were other exclusion aside from commercial centers, it should be indicated in the terms and it should be clear enough that consumers can make a clear distinction on how to identify a participating location when visiting the website listed in the offer.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX  multiple times to notify them they are reporting inaccurate items on my consumer report. In addition, I have advised them I have NEVER given written consent to them or any other agency or third party agency to report any items on my consumer report. I have also provided them with FCRA laws that they are violating and advised that they are directly violating my rights. 

NO CONSENT IS IDENTITY THEFT! 

ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/2013 REASON : UNAUTHORIZED REPORTING OF LATE PAYMENT
Product: Credit reporting or other personal consumer reports

Mailed letters on XX/XX/XXXX  to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my police report and my FTC affidavit to the three XXXX, XXXX XXXX and Equifax to report fraudulent. I sent multiple dispute and had multiple phone calls with the fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent account .his notice is to inform you that you unlawfully reported fraudulent accounts. I have provided you a copy of my Police report a copy of my FTC affidavit that was provided to me from Federal Trade Common. I have followed every step I was told to do by your agency and by the Police department. Please delete and Block this fraudulent account, address of my credit report. the fraudulent information and account and inquires that are in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX fraudulent addresses XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX this is fraudulent and needs to be delete immediately. You have caused me great damage and embarrassment also with emotional distress and I was wrongly denied credit, housing and a job due to this fraud and your fraudulent reporting. Please be advised I will use this complaint and all the disputes in court.
Product: Payday loan, title loan, or personal loan

I received an e-mail from the Wells Fargo Unauthorized Account settlement regarding the class action lawsuit. I had questions so I called the hotline. When I called and selected 6 to speak w/a customer service representative, the automated male voice stated " thank you for calling, goodbye. '' When I entered my information online, I entered my DOB and social, then proceeded to enter the catcha phrase at the bottom. However, each time I entered it I received a message stating that it was entered incorrectly. However, it was not. 

Between the end of XX/XX/XXXX to XX/XX/XXXX, a line of credit was opened in my name w/o my authorization. It was connected to my checking and saving accounts. I was charged all sorts of fees, including penalties and overdraft. This account was opened in XXXX, California. 

In addition, between XX/XX/XXXX and XX/XX/XXXX, I had a checking and savings account. This was opened in XXXX XXXX. I was charged overdraft fees repeatedly, not once, but twice or three times for one transaction. When I went into the branch to inquire about their policy, they gave me a " stuffed animal horse '' as if that would make up for their abhorrent practices. This went on for some time before I closed my account. I also used the account for recurring payments w/companies like XXXX, and was double charged. I was not sure whether it was XXXX who was double charging me or Wells Fargo, but I haven't encountered this problem with other banks. It was only with Wells Fargo.
Product: Credit reporting

XXXX XXXX XXXX XXXX has reported a duplicated account to my Equifax credit file which is tremendously lowering my credit score.
Product: Credit card or prepaid card

This has been ongoing issue. Since XXXX XXXX i found out the merchant refunded XXXX back to my bank with chime bank but that money never came back to my account. When i created a dispute about this i was denied XX/XX/XXXX regarding t

his. So right now i need to know why are they illegally witholding my money, when they got it back as a chargeback. Chime needs to return my money
Product: Credit card or prepaid card

Received a email and a mailer from TJMAXX for promotion to receive XXXX points when you make {$100.00} or more in total purchases outside family of stores using XXXX XXXX XXXX. Promotion dates were now to XX/XX/2022. This card and mailer indicated " EARN REWARDS ON ALL YOUR PURCHASES. On XX/XX/2022, I made XXXX of purchases as required by promotion. Approximately early XX/XX/2022 I engaged in a online Chat to see when the points would be rewarded. The online representative advised that she saw the purchases and that I would receive the corresponding points on ALL purchases but that It would take 1 to 2 billing cycles. XX/XX/2022 I called customer service and inquired once again about the points. After waiting for her review, she too advise that she saw the purchases and could not explain the delay but that the points for all the purchases would happen next billing cycle. XX/XX/2022 I called again to inquire about the points that I still had not received but this time I was told that one purchase did not qualify. I ask the representative to forward a email indicating why that purchase was excluded NOW and what items are excluded during future promotions. He advised that he would send document by postal mail. To date I have not received the mail nor the promotional points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX on Monday, XX/XX/2020 to advise the payments for XXXX & XX/XX/2020 were not reflected on my three credit bureau reports. I expressed that I am in the home buying process and I need those payments reflected. I was advised they would provide a copy of my transaction history to submit to the credit bureaus. On XX/XX/2020, I received the transaction history via email. On XX/XX/2020, I contacted XXXX and was advised that all information must come from the creditor not from me. On that same night, I contacted XXXX and was advised to send a letter to their Credit Bureau Operations Department. 

I have the same issue with my student loan servicer, Navient.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 instructions
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXL 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  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX companyies that ran my credit without my knowledge or permission I DID NOT GIVE PERMISSION OR DID I HANE ANY KNOWLEDGE OF THIS.
Product: Credit reporting or other personal consumer reports

I have inaccurate information on my credit report that does not belong to me. I filed my complaint with FTC and a police report. I would like the information removed from my credit report. 


XXXX Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

remove fraud item- XXXX XXXXXXXX XXXX they are violating my consumer rights
Product: Mortgage

when I went to get my pay off om my mortgage it was listed as XXXX principal and they told me even if I pay it off I will still owe them XXXX dollars interest and it will make my pay off XXXX dollars why can a bank do that to a customer and other loan company 's can not? what part of out sick government lets them do such things to a hard working citizen of this country?
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year, I have been trying to get documented verification on the account associated with my name from Mountain Run Solutions. On XX/XX/2021, I had reached out to the XXXX major credit bureaus for assistance in verification. Even after providing proof, XXXX advised that they would not be investigating this account because the company has verified the account to be accurate without any documented proof.
Product: Credit card

In XX/XX/XXXX, I have purchased {$1400.00} worth of furniture from XXXX by using their XXXX issued by Synchrony Bank. With this credit card, they promise to give 10 % reward dollars for your purchase. A year passed, and I haven't received any of my reward dollars. 

I tried to contact the bank and resolve this issue in XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told that request is made and I should be receiving them in a couple billing cycles. 

Today, XX/XX/XXXX, I was contacted telling me that I selected promotional financing option instead of reward dollars and they can not date back a year ago. 

Their mistake is reflected on me as my mistake now.
Product: Debt collection

This so called debt was first issued to me in XX/XX/XXXX - stating that I did not have insurance. and I have had insurance since XX/XX/XXXX. I do not recall even getting medical treatment in XX/XX/XXXX. I have tried to contact Commonwealth when they issued a collection debt and it showed up on my credit reports. I also sent a letter to your company to forward to Commonwealth, I have yet to receive any kind of response. I believe that a family member may have used my name during this time. I do not have knowledge of this debt
Product: Debt collection

Repeated from calls from MRS , Midland Recovery Services. Ive told them to stop calling and mailed a cease and desist letter. Still receiving numerous calls per day from various phone numbers and people.
Product: Credit card or prepaid card

XX/XX/2021 Chase closed my account without notifying me thru mail. I am not sure when they closed my account. I just found out today that my credit card xxxx xxxx xxxx XXXX is closed and I lost my XXXX reward points. 

I also have problem with chase website that kept popping asking for paperless every time I log in and I could click the paperless instead of paper. i always setup paper. That's why I missed the payment. When I called that the reason they give me is i did not pay or I missed payment. That's the only payment I missed and it is not on purpose. I have never missed any payment and always pay in full. All I am saying I missed payment chase already charged me interest and fees and chase dinged my fico score, isn't that enough? 

But for closing account, regardless chase at least notify me thru paper mail and give a chance to transfer my points to another accounts if they want to close the account. My reward points worth {$2000.00} and i only owe around {$200.00}. I earned that reward points. 

I attached the statement. I usually write down when I paid and which bank I use to paid. See the attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with  XXXX   XXXX  that was paid and closed in  XXXX . For some reason, they started reporting the account again in  XXXX , even though it was paid off in  XXXX , and the account closed. Both   XXXX   and Experian are still reporting the account. Experian says it will stay on reporting until  XXXX . This account should be gone from my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting outdated inaccurate and incorrect information on my credit report. 
I have contacted XXXX and Equifax numerous times and disputed this information. 
They say that the information is verified with no explanation of where they are getting this information or why they continue to report it. 
They refuse to delete it as asked. 
The account has been closed, outdated and, exceeds the statue of limitations. 
All XXXX accounts they are reporting are over 20 years old.
Product: Money transfer, virtual currency, or money service

I pocket purchased crypto on my account and called coinbase support and they locked my account to make sure it wasn't fraud. I've since told them, that my account is cleared and secured, and need access to the {$10000.00} thats in there. It's been over a month now since I opened the ticket ( XX/XX/2019 XXXX and I have'nt received one email reply from them, despite writing to the about the issue daily My case number with their support branch is Case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.