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

Purchased an American Express Serve " prepaid '' card from XXXX on XX/XX/2019. Paid {$100.00} in cash plus {$2.00} for the card to charge it. Tried to use it the next day and it was turned down by XXXX, where I had purchased it. The company had additional fees of {$8.00} per month, starting from registration, plus I had to wait several weeks for the actual card to arrive if I wanted to use it ( this is a card I had purchased to travel ). I tried to get a refund from XXXX and American Express. XXXX sent a nice letter saying they would refer my complaint to another department. American Express never replied. This card is completely useless for any purchases, online or otherwise. I could provide all sorts of personal information to the company and pay {$8.00} per month to get a " real '' card maybe sent to me, and maybe not, with no guarantee the card would arrive within one month ; but they do not seem trustworthy enough to provide any more information than they already have.
Product: Credit reporting or other personal consumer reports

I have disputed these late payments XXXX different times with Equifax and XXXX. XXXX is the only one reporting it correctly. Equifax and XXXX just keep verifying the information without sending me any method of procedures. I disputed on XX/XX/23, XX/XX/23, and XX/XX/23. They havent even investigated. They just sent something back saying they werent going to investigate. I sent a XXXX XXXX report in each letter- SHOWING THE ERRORS DPEDXXXX  XXXX DPEDXXXX XXXX DPEDXXXX XXXXXXXX DPEDXXXX XXXX DPEDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEE THE VICTIM OF IDENTITY THEFT THE ACCOUNTS ARE BELOW. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Transworld Systems Inc shared with the Credit reporting agencies that I had an unpaid medical debt shortly after receiving the collection request from XXXX XXXX instead of waiting 6 months as outlined in the Fair Credit Reporting Act.. As this bill resulted from an auto accident, there were many Insurance companies involved ( XXXX auto and XXXX medical ). This bill was paid within the XXXX months, and as I understand the Fair Credit Reporting Act, the bill should not have been reported to the Credit Reporting agencies. 

Once the bill was paid ( within 6 months ), the company simply reported that the bill was paid and there is a zero ( XXXX ) balance, but will not remove the " collection '' from credit reports. 

When contacted to have this collection removed they stated that it is there policy to report all delinquencies as soon as they come in, and not to wait the XXXX months. And once reported, they will not remove them even though it seems to be at odds with the Fair Credit Reporting Act. 

Upon contacting Equifax this error, they will not remove the entry unless Transworld Systems authorizes the removal, which they will not remove.
Product: Debt collection

Action financial Services LLC is illegally garnishing my pay check about some student loans im not aware about. This is a collection agency which is illegally im a victim of identity theft, please help me resolve this issue and collect my money back. 
phone number XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the ongoing issues I have faced in attempting to correct several late open accounts on my credit report. Despite my diligent efforts, the inaccuracies persist, and I have made multiple attempts to rectify this situation. I would like to bring this matter to your attention in hopes of resolving it promptly. 

I have followed all the proper procedures as outlined in the Fair Credit Reporting Act ( FCRA ) by filing disputes with the credit bureau and providing supporting documentation to substantiate my claims. However, despite my persistent efforts, these inaccuracies remain unresolved, negatively impacting my creditworthiness. 

I understand the importance of accurate credit reporting for individuals like me, who rely on their credit scores for various financial transactions. The inaccuracies on my credit report have resulted in unjust consequences, including higher interest rates and difficulties in obtaining credit. 

I kindly request that you investigate these issues urgently and make the necessary corrections to my credit report. I also request that you provide me with a detailed explanation of the actions taken to rectify these inaccuracies, along with a timeline for their resolution. Please ensure that I receive a written response within the time frame prescribed by the FCRA. 

If my concerns are not addressed promptly and the inaccuracies on my credit report persist, I XXXX have no choice but to seek legal action to protect my rights under the FCRA. Kindly assist me to correct the followiing late open accounts : XXXX XXXX  XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance {$1500.00} ; XXXX XXXX  XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX CC : Attorney General XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX XXXX XXXX United States Attorney General U.S. Department of Justice XXXX XXXX XXXX XXXX XXXX XXXX , DC XXXX TIME SENSITIVE MATTER! 
Dear Equifax, I, the consumer and natural man, was denied housing and transportation by several companies due to the inaccurate and unverified information you, Equifax, are furnishing onto my credit report. You are in direct violation of 15 USC 1681 ( b ). The law clearly states that you are required to have permission and written instructions from the consumer before you can furnish anything. Per Congress, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
directly affecting my creditworthiness and reputation. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX havent been able to secure myself due to your inaccurate and false information as it relates to me. This is fraudulent activity. 

Congress establishes that the purpose of the Fair Credit Reporting Act requires consumer reporting agencies to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer. Late payments being reflected on my consumer report is neither fair nor equitable to me. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report within ten ( 10 ) days, and I demand that you provide me with concrete evidence proof that I have given permission for these items to be reported on my behalf as well as proof from the creditor. Proof should be signed and in affidavit form delivered by certified mail. 
Your failure to comply will result in civil liability Pursuant to 15 USC1681 ( n ). Also, your failure to comply will result in me pursuing civil for damages action pursuant to 15 USC 1692 ( k ) and 15 USC 1640 If you are unable to provide me with the above request within ten ( 10 ) days, Please Delete The following accounts from my consumer credit Report 1. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX XXXX XXXX Without Recourse UCC 3-415, Without Prejudice All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX Bank XXXX is the substitutionary plaintiff in an ongoing foreclosure case in XXXX XXXX XXXX Court of XXXX XXXX, Florida, against me and my wife. 

On XX/XX/XXXX, XXXX XXXX from JPMC prepared a FRAUDULENT Assignment of Mortgage from HUD to XXXX Bank XXXX. XXXX XXXX signed as Power of Attorney for HUD. 

I contacted HUD, XXXX XXXX. and they informed me that since they are an insurance company, they PAID OFF Chase in XX/XX/XXXX and that Chase transferred the loan to XXXX. Yet, XXXX Bank XXXX is trying to foreclose on my property. They have no right to my property and I want to report this as a FEDERAL CRIME - impersonating as an attorney for HUD. Please address this matter IMMEDIATELY, as there may be a court hearing soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

For one, I dont know who these people are. I never gave them permission to go into my personal information to obtain my personal information. Which resulted in higher interest rates of a recent purchase. My credit score was extremely low compared to other reputable agencies. I truly believe their main purpose is to help crooked business to charge the consumer more monthly payments, because of low credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are in violation of US 15 1666b : 1 ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Time of delinquency : XX/XX/XXXX I also have a goodwill adjustment letter from the CEO of the bank XXXX XXXX. And the three credit bureaus are refusing to honor this letter. 

2 ) XXXX XXXXXXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX 3 ) XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4 ) XXXX XXXX : ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX These four companies are all in violation of United State code 15 1666b and also United state Code 15 1681n. As a direct violation of my rights and the US code, the following late payments must be removed from my credit file : 1 ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Time of delinquency : XX/XX/XXXX 2 ) XXXX XXXXXXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX 3 ) XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4 ) XXXX XXXX : ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i received a speeding citation at XXXX VIRGINIA and i paid it on XX/XX/XXXX. Now, on XX/XX/XXXX I apply Multiple of jobs i was denied those jobs because the employers said I did not pass my background report so i requested a copy of my report that is when I reach out the citation was reported on my background report. 

So when i riche out XXXX XXXX - XXXX XXXX they said that they never received the payment. then i end up making the payment again with interest. 

After i made the payment a proof payment was giving to me by the court. so i disputed it and i uploaded the documents giving to me by the court and i contacted XXXX MULTIPLE of times trying to have them remove the error on my report so that i can be able to get a job and i not getting though them still.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was assumed by XXXX XXXX on or around XX/XX/XXXX. I called XXXX XXXX on several occasions to request setup of bi-weekly automatic drafts. Each time, I was advised that I would need to make " double payments '' in order to set up the draft. I made two double payments ( i.e. 4 mortgage payments ) between XX/XX/XXXX- XX/XX/XXXX. XXXX XXXX continually informed me that it failed to set up the automatic drafts, and none of the incompetent representatives could provide me with a reason why. They told me to just keep making double payments to get it set up. After two failed attempts to set up the automatic draft, I decided I did not want a company this incompetent with access to my bank account. As such, I set up bi-weekly automatic payments through my bank. Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX reversed 3 mortgage payments without notice to me. Furthermore, XXXX XXXX failed to apply the automatic payments from my bank in a timely manner. On or around XX/XX/XXXX, XXXX XXXX reported me to XXXX and Transunion as 30-days late on payments in XX/XX/XXXX, thereby causing a drastic drop in my credit score. This information is blatantly false! Any untimely payment was the result of XXXX XXXX 's unauthorized reversal of my payments without notice to me, as well as XXXX XXXX 's failure to timely apply the payments from my bank to my mortgage account. I filed disputes with both credit reporting agencies. XXXX XXXX responded to the dispute by updating the account balance. The false, unsubstantiated and unverified late payment report remained. Both credit reporting agencies closed the disputes with the updated balance information. I then requested the information XXXX and Transunion used to verify XXXX XXXX 's false report of a late payment. Neither agency provided me with said information, and merely responded that the unsubstantiated report by XXXX XXXX was " verified ''. The false information remains on both credit reports. 

I only discovered the reversed payments after requesting itemization of all payments received from XXXX XXXX, and when those payments were applied. I have spent so much time and energy trying to get this matter corrected. There is a plethora of similar stories/complaints regarding XXXX XXXX 's fraudulent actions, which have ruined the good credit that I worked for so many years to obtain.
Product: Checking or savings account

so i have a bank of america buisness accounts that i have open for less than a year for the buisness that i have currently and write paychecks for the employees i was notified yesterday from an employee that he couldn't cash his check so i went into a branch and was told to call an XXXX number and was told that my buisness accounts were closed for no reason and that it was a buisness decison and at the banks descrection to close at anytime without notifying the customer i asked the reason why and got the run around that it was a buisness descision. was told the accounts were gon na close on the XXXX of the month and that they were gon na cut a check and mail it now my funds are frozen for no reason and i can't pay the employees
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with AMERICAN CREDIT ACCE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and AMERICAN CREDIT ACCE with no successful resolution. XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. Also, This is not my home address. I never lived here nor received emails here. 
XXXX XXXX XXXX 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  Balance : {$6100.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX
Product: Mortgage

Your client initiated foreclosure within the early intervention period in violation of Regulati on X, 12 C.F.R. 1024.41 ( f ). Your client failed to provide our client with a Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b ) - We have also requested a QWR response as of 4/20/17 an d request a response ASAP to this information being requested
Product: Credit reporting or other personal consumer reports

Recently I applied for a loan and was denied. At this time I realized that damages/ late payment reporting have been placed on my credit report illegally from Transunion XXXX XXXX and XXXX from the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to this law no damages/ late payments should be on my report. These damages are a defamation to my character.
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 U.S.C 1681. 

Account Name : XXXX XXXX XXXX  XXXX, Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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.

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

On XX/XX/19 I received a XXXX XXXX alert to a new hard credit inquiry. I opened this to Law Offices of Lind Strumpf whom I googled and found is a bad debt buyer, was able to do this without authorization or approval. I have 0 accounts in bad standing and have never heard of this lawyer ( XXXX XXXX XXXX. ) ( XXXX XXXX, CT ) or company in my life.
Product: Credit reporting or other personal consumer reports

I recently reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending out letters to the Bureaus to delete those inaccurate information on my credit report especially all those student loans account, they all have different Date of last Active. I haven't received any response regarding these accounts. This stops be of getting approved for any credit and they are hurting my scores.
Product: Mortgage

On or around XX/XX/XXXX I closed on a no cash out refinance of my primary residence mortgage with a new lender Loan Depot. Prior to the closing I provided them with evidence of hazard insurance along with the new lender mortgagee/loss payee clause. On or around XX/XX/XXXX I received a letter dated XX/XX/XXXX from Loan Depot informing me that my hazard insurance was expiring and that they did not have evidence of coverage. As a result of this they were going to purchase force placed insurance coverage if I did not provide them proof. I contacted the XXXX XXXX XXXX  XXXX and ask them to fax over the current policy declarations along with the lender clause showing that Loan Depot was listed as mortgagee/loss payee. This was done on XX/XX/XXXX. Prior to requesting my insurance agent to send this fax, I logged onto Loan Depots website and was able to confirm that they had hazard coverage in that there was no expiration until XXXX, XXXX. I called Loan Depot on XX/XX/XXXX and spoke with a customer service agent. They informed me that my agent had sent them proof of coverage and that no force placed coverage would be bought. I requested they send me written confirmation that they had coverage in file and that they would not be proceeding with force placed coverage. They refused to acknowledge in writing this fact that I was not in default and that they would not force placed coverage. They need to be held accountable for sending me a letter informing me that I was in default of my loan terms for failing to provide adequate coverage when in fact they had it before the closing took place. If they are going to send an in accurate nasty gram, they should also follow it up with a letter of apology for their mistake so that I dont have the mental burden of wondering if they are going to Force Place coverage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with DISCOVER FIN SVCS XXXX, XXXX XXXX, and XXXX XXXX XXXX   XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, DISCOVER FIN SVCS XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX keeps reporting this medical bill which does not belong to me and they refuse to show proof that the debt belongs to me or was incurred by me. I have made multiple attempts at getting in contact with them and getting something from them in writing to no avail. They are hurting my credit report and score and keeping me from being able to grow my business because of this inaccurate account. I have sent them a letter requesting debt validation SEVERAL times with no response. Then I sent a failure to respond letter and still nothing. Please assist me in getting them to remove this account off of my credit report thank you very much.