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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX Balance : {$2100.00}, XXXX XXXX XXXX Balance : {$9300.00}, XXXX XXXX XXXX XXXX Balance : {$8200.00}, XXXX XXXX  XXXX XXXX XXXX {$8500.00}, XXXX  XXXX XXXX Balance : {$230.00},
Product: Credit card or prepaid card

Dollar Amount as of XXXX : {$140.00} Dear Sir/Madam : I received a statement from American Express to renew the annual Delta SkyMiles Gold Card membership for the fee of {$99.00}, which is due by XX/XX/XXXX. On XX/XX/XXXX, my spouse and authorized secondary card user, contacted American Express Customer Care at XXXX on my behalf to cancel both our Delta SkyMiles Gold American Express cards. In other words, we do not want to renew our membership and hence should not be paying for the membership fee. 

On XX/XX/XXXX, I received another statement from American Express that showed a previous balance of {$99.00} for the membership fee, a late fee of {$40.00}, and interest of {$1.00}. 

I continued to receive monthly statements asking for the membership fee and late fees. Again, on my behalf, my spouse called the American Express customer care on XXXX and XXXX to let them know that she has already requested American Express to cancel our cards and not to renew the annual membership on XX/XX/XXXX. Each time, they would tell her that a manager will review this matter and reach out to us. However, to-date, neither of us has received any calls from any American Express manager . But one of the agents disclosed to my spouse that apparently the agent that she spoke to the first time has terminated her card but not mine. I was astonished at the incompetence of the American Express customer care agent, and it is not fair to penalize me for his error. 

I wrote to American Express in XX/XX/XXXX to complain about this matter. And they finally cancelled the cards and closed the account but continued to bill me for the membership fee and late fees. 

In addition, I also did not receive the {$100.00} Delta flight credit promised. This is a special credit issued to Delta credit cardholders that spend {$10000.00} or more in a calendar year on their Delta SkyMiles Gold Card. I have spent more than {$10000.00} in XXXX and have been prompt in making monthly payment. 

This is extremely frustrating. It is not fair to charge me for the membership fee and late fees for membership I have requested for them to cancel before the due date. I am asking for a fair resolution that American Express not to charge me for the annual membership fee and late fees for membership I neither use nor want. And issue me the {$100.00} Delta flight credit that is promised when I met my calendar year spending. 

Thank you for your attention to this matter.
Product: Debt collection

I 've recently received a letter threatening legal action for medical collection accounts that belong to my husband. They have recently been reported on my credit report. There are XXXX accounts, XXXX of them do not belong to me. I am not responsible for his debts and I do n't think it is right for this company to bundle all our accounts into one and go after both of us for each others debts.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

When I review my credit report, I realized that same information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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

Equifax XX/XX/XXXX requested via free annual credit report toll free # XXXX from Equifax. 
XX/XX/XXXX received a letter in mail dated XX/XX/XXXX their records indicate a free copy has been sent within the past 12 month. 
My records indicate the last report I received from equifax was XX/XX/XXXX, 2 years ago. 
XX/XX/XXXX XXXX XXXX ET I called Equifax XXXX I believe XXXX said it was XXXX priority to send me my requested free report except he was asking me questions I do not have the answer to and he wanted me to call back when i did have the answers, like what's my current balance of lenders, what is the min. payment, etc. I pay my bills in full. I don't track current balance or min. payment due. very frustrating. 
XXXX says I've received one in the past 12 months I want Equifax to tell me the date they sent it last, XXXX wouldn't tell me that. I have not requested or received a credit report from XXXX in almost 2 years so who did they send it to? 
I'm almost XXXX yrs old. I do not text I do not want to provide my mobile #. I will provide my home number as I still use a landline.
Product: Money transfer, virtual currency, or money service

Zelle transactions are typically immediate and irreversible, which adds to my concern as I rely on this service for its convenience and security. I understand that Zelle provides a quick way to send and receive money, but it is essential to have support in cases of disputes or errors. thank you for understanding
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed many inquiries that was made without my knowledge. I am requesting once again to have all these fraudulent inquiries removed from my credit report : Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX  XXXX XXXX Inquiry XXXX : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Date : XX/XX/XXXX Reason : Miscellaneous XXXX Name : XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Reason XXXX Miscellaneous XXXX Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date XXXX XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX : Miscellaneous
Product: Debt collection

Ad Astra Recovery repeatedly harasses me for a collection on behalf of XXXX XXXX. They call constantly even after I requested they stop. I have disputed this on my credit reports numerous times with no results. In researching this company they do not have an office in Texas the state where I reside and  are not a registered agent as required by TX Secretary of State and should be removed from all credit reporting agencies immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX XXXXXXXX, Account Number XXXX. 
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX, Account Number XXXX. 
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX, Account Number XXXX. 
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX XXXX, Account Number XXXX. 
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX, Account Number XXXX. 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE ACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Product: Student loan

XXXX Transworld systems keeps robots calling my line early mornings and throughout the day and would not say anything. when i call back, it states this is not a working number
Product: Mortgage

started a forbearance with LOAN CARE XX/XX/XXXX for 180 days for a COVID hardship. I also applied for the Texas homeowner assistance program on XX/XX/XXXX. They approve my application and brought my mortgage current XX/XX/XXXX. They then stated they would pay three months of my mortgage for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called LOANCARE ( can't recall date but LOANCARE can pull the call ) to see if I was still in forbearance and if not, if I could re open my forbearance XXXX of XXXX as I was still having a COVID hardship. I was told by the rep to find out exactly when my mortgage assistance would end and to call back because I was no longer in a forbearance. I was told I could not be in a forbearance and receive mortgage assistance. I then called the mortgage assistance and they told me my last payment assistance would be XX/XX/XXXX. I then call LOAN CARE ( XXXX call ) and told the rep what the first rep from LOANCARE told me. She told me I was not in a forbearance again and would need to reapply. I specifically told this rep I wanted the forbearance to start XXXX of XXXX! She stated she would submit the application and I would hear something before XXXX. XXXX past and I didn't hear anything so I called LOAN CARE a third time. I spoke to a rep who state my forbearance was not closed initially ( this is not what the first two reps told me ) snd stated my forbearance was only extended until XXXX of XXXX. I told her this didn't make any sense and every time I call I am told totally different things. I asked her to let me talk to a manager but she passed me on to another rep ( third call/fourth rep ). This rep stated I was never taken out of the forbearance. I stated okay if that's the case why am I only being allowed a two month extension when I should be allowed another 180 days under a XXXX XXXX forbearance extension. She was not able to provide this information and seemed confused. She stated she would review/escalate the info and I would hear back. Its now a week later and I have not heard anything. I would like to know what's going on and if my forbearance was ever ended? I would like to extend my forbearance for the MAX time I can or at least the one 180 days extension I am allowed to take because I am still having a COVID hardship. This has been a mess.
Product: Credit card or prepaid card

On XX/XX/1921 I paid my XXXX account in full. To a XXXX balance. I just realized that XXXX has now charged me two {$1.00} interest charges on a XXXX  balance and these charges have now caused me 2 late payments of XXXX so my balance is now XXXX on an account I paid in full. And its reporting late to ky credit I called XXXX told me because my payment didnt post till the XXXX there were interest charges. Offered to waive one but woupd not waive them both and correct my credit. I have closed my account but feel like I should not owe anything
Product: Credit reporting, credit repair services, or other personal consumer reports

INFORMATION Inquiries are not currently disputable online through the Dispute Center. If you believe an inquiry is the result of identity theft, the inquiry can be disputed by phone through an Experian Specialist by calling XXXX. 

SORT BY Recent Alphabetical Hard Inquiriesshow tooltip button XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX Mortgage. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Real Estate on behalf of XXXX XXXX - XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Real Estate on behalf of XXXX XXXX XXXX XXXX   This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Whom the report relates these accounts XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX are not complete and accurate And one more thing according to 15 USC 1681s- 2 a person shall not furnish my 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 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 trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I  started loan modification XX/XX/2015 wells fargo ln XXXX  XX/XX/2015 received loan mode papers XX/XX/2015 wells fargo acknowledge that received my loan mode papers papers, XX/XX/2015 wells fargo send me letter that not received my papers so taking to foreclosure XX/XX/2015 wells fargo refunded my extra funds XX/XX/2015 new SPC XXXX assigned for Loan Mode XX/XX/2015 I called wells fargo   gave all financial info XX/XX/2015  XXXX  acknowledge that they received information  , XX/XX/2015 XXXX new SPC  ,XX/XX/2015 I raise objections needed answered  still not received  any reply from wells fargo ,  XX/XX/2015 & XX/XX/2015  wells fargo send letter to me that they need more time to answer my objection  letterXX/XX/2015 recorded foreclosure on house while I was in process of loan mode & correspondence , XX/XX/2015 & XX/XX/2015   I  received call to submit my  complete loan mode  XX/XX/2015 & also XX/XX/2015 I I fax over XXXX pages  complete loan mode package as requested,  XX/XX/2015  fax all  corespondence sequential papers to wells fargo , Till now , I did not received there reply but I am in foreclosure without Notification of Denial loan mode  and appeal   . My objection letter dated XX/XX/2015 reg mail to Wells Fargo Mortgage &  also to XXXX ., I requested them to answered with in XXXX days . Instead of reply / answering  they put my house in Foreclosure.
My Foreclosure sale date XX/XX/2015 . I give Wells fargo remedy and  solution which help XXXX parties .
   In the past wells fargo approved me for  forbearance plan than for HAMP , I paid XXXX agreement more than a year and then suddenly they stop taking my payments my all payments during agreement was in time .Now I am requesting  to give me previous HAMP deal= XXXX./ month including every thing.
Other wise XXXX parties will waste time & litigation money.
My Address is  XXXX Ca XXXX  TelXXXX / XXXX
  I can fax you all recent  sequence correspondence letters , so you can convince Wells Fargo,  and I authorize you to talk on my behalf  and do legal investigation to stop , cancel, resend  about illegal Foreclosure Sale on   XX/XX/2015.   I can provide all proof as needed  ,
all my statement is true to the best of my knowledge  Thank you. end.
Product: Debt collection

Upon looking at my credit report yesterday I received a notification from XXXX XXXX that Phoenix Financial SE has reported an account they recently purchased from an original creditor that was made to delete the information due to account not being mine. XXXX XXXX XXXX sold this old account which was previously deleted to another collection agency. I never received anything from this company regarding this new account being re placed for collection. On my credit report for XXXX, XXXX XXXX XXXX has two separate collection agencies reporting this one account to really try to hurt my credit score.
Product: Student loan

Upon XXXX and starting my job, I contacted Navient to begin repayment of my loans. The representative stated that I could not begin repayment until the grace period was over ( an additional 5-6 months of interest accrueing ). I asked if the representative was sure of this, and she reiterated that I would not be able to make payments on the loans yet and that these terms were agreed upon in the loan contract.
Product: Debt collection

On  XXXX   XXXX ,   XXXX   ( via certified mail ), a letter was sent to  Security Credit Services  requesting documentation to verify the debt and prove my legal obligation to them for a debt they reported to the credit bureaus related toa certain account. I asked that all of the requested documentation be furnished with in thirty ( 30 ) days  of receipt of the requests, and I advised if they failed to provide any portion of the requested documentation, all references to the accounts would need to be immediately removed from my credit files and any further attempts to collect should cease.     On or around  XXXX   XXXX ,   XXXX  , I received an incomplete response from the company, and, as such, on  XXXX   XXXX ,   XXXX  , I sent subsequent correspondence ( via certified mail ) advising that they failed to comply with my initial requests and all references to the accounts needed to be removed from my credit files immediately.     To date, the company still has not complied with my initial request and has not removed this account from my credit files.
Product: Debt collection

On XX/XX/20 I've received notification from FMA Alliance in regards to an alleged debt owed to XXXX XXXX  in the amount of {$520.00}. In accordance with the law ( FCRA ), please provide proper validation of this alleged debt. ( Validation consisting of a valid agreement bearing my handwritten signature ).
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Money transfer, virtual currency, or money service

THE FOLLOWING SEQUENCE OF EVENTS OCCURRED : 1. XXXX ETH ( Digital Currency ) was deposited into my Etherium Coinbase Wallet Account from an external Crpyto Exchange on XX/XX/XXXX. 
2. I sold ( Exchanged ) the ETH ( Digital Currency ) on Coinbase for USD fiat and requested that the USD fiat funds be deposited into my XXXX XXXX account on XX/XX/XXXX. See message below. 

Message Sold XXXX ETH for {$7900.00} USD. 

Payment will be SENT to XXXX BANK XXXX by Wednesday XX/XX/XXXX. 


The funds were NEVER sent and Deposited into my XXXX XXXX Account as requested. 

See further message below : Your sell for {$8000.00} USD of ETH has started Reference code XXXX Payment method XXXX XXXX XXXX Start date XX/XX/XXXX Estimated payout XX/XX/XXXX Amount XXXX ETH Exchange rate @ {$740.00} / ETH Subtotal {$8000.00} Fee {$80.00} Total {$7900.00} The funds were NEVER sent and Deposited into my XXXX XXXX Account as requested.