23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have two creditors saying I have student loans with them. One is XXXX who said they sold to XXXX XXXX Both are collecting on my credit reports and bringing m y score down with payments that are not due and accounts that are no longer theirs. One company needs removed my debt is double and it had been disputed multiple times. This is what it looks like on all three credit reporting companies XXXX XXXX XXXX XXXX loans Total balance : {$86000.00} DEPT OF ED/XXXX LATE PAYMENT Balance {$740.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$500.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$3100.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$6000.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$2800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$5700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3900.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$4000.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/XXXX XXXX XXXX LATE PAYMENT Balance {$2700.00} Balance updated XX/XX/XXXX XXXX XXXX LATE PAYMENT Balance {$7400.00} Balance updated XX/XX/XXXX XXXX XXXX LATE PAYMENT Balance {$6300.00} Balance updated XX/XX/XXXX XXXX XXXX LATE PAYMENT Balance {$3800.00} Balance updated XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

All credit reported data is misleading and incorrect on my credit report please review and contact me. XXXX. Please contact all reported liens for signed contracts by company and said individual. Individual Is constantly being harassed by XXXX XXXXXXXX sent by certain XXXX holders. Sharing personal information is illegal and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently submitted a copy of all 3 credit bureaus side by side so that the credit bureaus can see the inaccurate late payments that are reported on each of my credit reports. The bureaus are suppose to report accurate information and should coincide with each other. My mortgage company XXXXXX/XX/XXXX is reporting 2 different late payment statuses. The are reporting inaccurate comments on each credit report. XX/XX/XXXXXX/XX/XXXX is reporting my mortgage has a student loan in the comments. I have sent letters in the past disputing the inaccurate late payment and they reply back that it is verified. How is inaccurate information being verified? I attached my credit report with all 3 credit bureaus side by side so that you can see the inaccurate information.
Product: Debt collection

I received a credit collection letter dated XXXX. The letter is to collect a debt from XXXX XXXX. I have no knowledge having business with XXXX XXXX. I remember I was browsing for a cheaper insurance requesting for a quotation only and not signing any agreement. The collection amount is {$510.00}. The payment asking is referrenced to XXXX XXXX. 

This collection is a mistake. I started to think that XXXX XXXX website quotation inquiry is a scam.
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. 

I told Experian, Transunion, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

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.
Product: Credit card or prepaid card

i applied for a XXXX XXXX XXXX XXXX mastercard. and i received a email saying congratulations you have been awarded the card. however the company said i was not awarded the card and was only issued a store card. 

here is the email. i can send you the actual one with the letter head if you need to see that. 

the response from the company we dont know what happened we are sorry Hello, XXXX XXXX You're approved! 


Hello XXXX, Congratulations, you've been approved for a XXXX XXXX XXXX XXXX Mastercard. Even better, you're all set to enjoy the perks of your new account. 
Look for your welcome kit to arrive by mail in about the next 2 weeks.

CHECK OUT YOUR BENEFITS About this Activity We sent this message because you submitted an online application for credit. 



Questions or Concerns Visit Account Center for easy access to frequently asked questions. Our Customer Care team is here to help, too. Just call us at XXXX ( XXXX XXXX XXXX XXXX Mastercard XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Mastercard ) ( TDD/TTY:XXXX ). 








Copyright 2020 Comenity LLC. This site gives access to services offered by Comenity Capital Bank. 
XXXX XXXX XXXX XXXX Mastercard and XXXX XXXX XXXX XXXX XXXX Mastercard Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. 
Please do not respond to this email. Replies to this address can not be serviced. To ensure delivery, please add XXXX to your safe senders list. 

Privacy | Security | Contact
Product: Debt collection

The company Northstar. I don't have any debts. They have the wrong number. They have called over 52 times.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed that information on my report was not correct. See attached Identity theft Affidavit.
Product: Credit reporting

Equifax for the 4th year in a row is producing the message : " online delivery unavailable - mail in request '' when requesting my annual free credit report. I have no problem accessing/receiving my report from XXXX XXXX or XXXX. I have no freeze on my credit. I was not prompted to answer any questions on the annualcreditreport.com site when making the request from Equifax, I was prompted to enter the last XXXX of my ss # then I received the above message. I do not want to mail in the report form because it contains personal information - no one mails ss # 's or other info any more & I dont want to receive my report by mail. XXXX is deliberately refusing the online report as they are required to do. There is no way of contacting them by phone, they have no capability to create a profile & contact them online or by phone as XXXX XXXX & XXXX both provide. Equifax is not living up to the requirements outlined in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Lease Agreement for XXXX  Nissan XXXX XXXX VIN # XXXX Good Evening Nissan, My name is XXXX  XXXX XXXX XXXX and I are currently serving XXXX XXXX in the United States Military XXXX, thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains, and we had previously spoken on the phone before about the SCRA End of Lease Liability amount of {$1700.00}. I would have an excellent repayment record. I made a mistake in falling behind, but since then, as you may have noticed I recently paid off that debt completely in full, but it is still showing up on my credit report as current. The amount should be showing XXXX since I paid it off in full. 


Would you or your company be able to delete the charge off now and mark it as paid off because that liability debt is paid off completely? I am planning to apply for a mortgage, and it comes to my attention that the current open payment on my record could hurt my ability to qualify. I honestly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a chance and opportunity and make a goodwill adjustment to remove the collection off my credit report. Nissan is a great company and I enjoyed the privilege of leasing a vehicle from them and will continue to do so in the future. 



Thank you for your consideration, and I hope you or your company will approve my request. 



Best, XXXX XXXX XXXX
Product: Checking or savings account

First in XXXX he branch in XXXX at XXXX, VA refused to verify me inperson when I was trying to replace m debt card. I was there inperson wih all my id and children and the manager would no believe i was me. Then in XXXX on he phone Wells Fargo made me stay on the phone for hours while I asked them tto send me a copy of a old check. Then onXX/XX/ Wells Fargo locked me outt of myy online account while I was banking. Then Wells Fargo refused to verify over he phone for XXXX XXXX has had he same telephone number of mine on file for almost XXXX yrs. Then they sent me email saying that someone changed my mail settings and refused to tell me who changed them. I was even old at XXXXXXXX XXXX to go verify myself at a ATM machine! The next day I went to the XXXX XXXX location and I spoke to XXXX. She told me that their securitty dept changed my mail settings and never explained why. Then she ttold me that she put my children down as beneficaries ... When she did not. Two weeks later I went to the XXXX Va to ask for a copy of my beneficaries. I was hen told by XXXX that my children were no XXXX down as my beneficaries. When again for my children to be my XXXX XXXX refuse to add them as my POD. Then he refused to correct a error in my children 's savings accouns! They were rude and did nothing o correct the problem. He demanded to see my children 's birthcerticaes! My children have had savings with this bank for XXXX yrs!
Product: Credit reporting, credit repair services, 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 Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or 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

Communication, dated XX/XX/XXXX, was sent to my employer, regarding a debt from 2010. There were several inappropriate and/or illegal statements in their communication. 
1. They state very clearly that they are attempting to collect a debt and go on to list the amount owed and the date of entry. ( FDCPA [ 15 USC 1692c ] 805 ( b ). 
2. The list of questions that they demanded answers to went well beyond what is allowed and included, but not limited to the following : a ) NAME OF MY BANK AND ACCOUNT NUMBER, b ) NAME AND ADDRESS OF CREDIT UNIONS AFFILIATED WITH MY EMPLOYER, c ) LIST OF ANY CURRENT ATTACHMENTS AGAINST MY SALARY, TOTAL NUMBER OF ATTACHMENTS, NAME AND ADDRESS OF EACH CREDITOR AND BALANCE DUE ON EACH ATTACHMENT. 
d ) IF I BELONG TO A UNION, NAME & ADDRESS OF UNIOIN AND MY CURRENT ID NUMBER. 
e ) SSN, job title and department f ) gross earnings 3. The debt is beyond the statute of limitations. 
4. I have never received any written communication from them or an accounting of what they claim I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the process of obtaining a 7-figure home mortgage loan, I recently had the opportunity to review a copy of my credit report at the XXXX, XXXX and TransUnion consumer reporting agencies. Contained therein was an account for XXXX XXXX XXXX under account number XXXX. <P/>Vehicle purchase in XX/XX/XXXX - it was traded in without a single delinquency in XX/XX/XXXX. With that said, the XXXX, XXXX and TransUnion credit reports each contained 1 single 30-day delinquency. This reported delinquency negatively impacted my credit score. <P/>I disputed the erroneous late payment with XXXX XXXX XXXX, in addition to XXXX, XXXX  and TransUnion. It was my contention that this account was never delinquent. <P/>On or about XX/XX/XXXX XXXX caused this account to be " updated '' at the XXXX, XXXX and TransUnion to show 31-60 days for the month of XX/XX/XXXX - 5 full years after the account was closed. <P/>My credit score at the XXXX, XXXX and TransUnion consumer reporting agencies immediately dropped more than 90 points as a result of a " current '' delinquency being reported. I am now in serious danger of losing my mortgage approval, in addition to a six-figure deposit. <P/>I contacted XXXX, in addition to XXXX, XXXX and TransUnion to report the error. XXXX XXXX advised that the account was reporting correctly and that I should take my complaint directly to the credit bureaus. <P/>I entered a dispute on XX/XX/XXXX with XX/XX/XXXX, XX/XX/XXXX and TransUnion but was advised that it would take 30 days to complete the dispute. This is unacceptable. Not only have I never been late on this account, the account is now reporting currently delinquent as if I was late in current time.
Product: Mortgage

Request : Removal of Private Mortgage Insurance XXXX XXXX : XXXX XXXX : Purchased house for XXXX due to distressed status of property. Mortgage for XXXXXXXX XXXX XXXX XXXX : Spent XXXX on improvements and general repairs on house Summer XXXX : Loan sold to XXXX XXXX ( d/b/a Lakeview ) XXXX XX/XX/XXXX : Initial request sent to XXXX XXXX via mortgage servicing website for PMI removal ; received auto-generated response same day stating I would hear back in 5-7 business days XXXX XX/XX/XXXX : Still no response, sent email outlining PMI removal request with attached invoices for repairs. Requested appraisal XXXX XX/XX/XXXX : Received call from XXXX XXXX representative, same advised to not email them, a third party appraiser would be contacting me in the next day or two and if I did not answer the phone, they would leave a voicemail. They would be calling to set up an appraisal appointment. XXXX XXXX rep stated house would need to be appraised for at least XXXX to drop PMI removal. Rep stated they could not give a certain timeline, but it was likely to be resolved within a couple of weeks " by the end of XXXX. '' XXXX XX/XX/XXXX : Follow up request for PMI removal through mortgage servicing website. Advised that I have received no follow up it is had been weeks. 
XXXX XX/XX/XXXX : Current mortgage principal is {>= $1,000,000}. XXXX of improvements  completed. No response from mortgage company to date via phone call, website, or email. No appraisal <p> -- -- -- -- -- -- -- -- -- -- -- ---
Product: Credit reporting, credit repair services, or other personal consumer reports

Today ( XX/XX/XXXX ) I was unable to freeze my account with Experian. I gave them the correct information, same as always, tried it twice, they refused to freeze the account or give any explanation, and seem to think I should email them personal info and hope they then freeze it. So I did that in the past, and again, they never respond. 

My account should be frozen online like before, so I am not victimized again by these companies. I called their numbers and they refuse to answer the phone at all, let alone help me, the voice tree just hangs up on you, no matter which numbers you choose. This is ridiculous. I placed a freeze with them before, so I know they are capable of doing it, they are deciding not to follow the law intermittently, because they are so incredibly corrupt they might as well be the mafia - except the mafia if it had REAL power like these agencies do. Wonder when our enlightened senators are going to oppose them? Never, I can see that. But I will voice my opinion and these days anyone can go viral with a complaint, especially if it is ignored by the conventional channels.
Product: Credit card

I am writing to file a formal complaint against American Express for misleading communication and unfair customer treatment regarding the eligibility of a welcome bonus for the American Express XXXX XXXX XXXX. Below is a detailed history of my experience : XXXX. In XXXX, I applied for American Express XXXX XXXX XXXX. At no point during the application was I informed of any restrictions or conditions that would render me ineligible for the welcome bonus. 

XXXX. After submitting the Application, the Application remained pending, therefore, I called the number displayed on the screen.

3. During the call, I was trying to ask why the Application is pending, and as we speak, the Application is approved. 

XXXX. After Approval, I remained on the call, and asked the representative from American Express to check the Welcome Bonus. 

XXXX. It was communicated to me that the Welcome Bonus is {$10000.00} USD spent to receive XXXX Membership Rewards Points within 3 months of card opening. 

XXXX. In late XXXX, I called American Express Customer Service again, to check how's my progression the Welcome Bonus. And I was notified that the Welcome Bonus is not available to me. 

XXXX. I immediately escalated the case, and the representative created an internal investigation to request the previous phone call. And I was asked to wait for XXXX weeks to call back to check the investigation. 

XXXX. In XXXX, I called American Express Customer Service again to see if the investigation is finished. And, yes, the investigation has finished, but the conclusion is that I am still not eligible for the Welcome Bonus despite the fact that American Express was able to confirm that the first Representative did say that the welcome bonus is {$10000.00} USD spent to receive XXXX Membership Rewards Points within 3 months of card opening. 

XXXX. In the same phone call, I kept escalating. After XXXX rounds of escalation, the supervisor is only able to issue a {$50.00} USD statement credit to my account to compensate for the miscommunication, which is not comparable to the Welcome Bonus that I was communicated with. 
-- -- -- -- -- -- -- -- -- -- -- -- - This series of events highlights a clear case of miscommunication and misrepresentation by American Express. As a long-standing customer, I find this treatment to be unacceptable and detrimental. I seek a full investigation into this matter and appropriate remedial action. 

As a customer, I was tricked, scammed and wrongly communicated. Yet, I, as the customer of American Express, is bearing all the consequence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Product: Credit reporting, credit repair services, 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 XXXX XXXX Account number # XXXX, XXXX XXXX XXXX Account number # 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 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 or 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 know or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

On Experion, XXXX XXXX stated that I had Failed to Pay XX/XX/XXXX and XX/XX/XXXX when the account was paid off XX/XX/XXXX. I submitted a dispute with Experion and now the new report shows Failed to Pay for XX/XX/XXXX additionally. The agreement with creditor was that all negative items would come off my report when I paid in XX/XX/XXXX. Now they are adding more bad marks.
Product: Money transfer, virtual currency, or money service

I cashed my check from XXXX of {$1900.00} to the XXXX XXXX U.S Bank branch ATM In XXXX Oregon on XX/XX/23 at XXXX. When I cashed my check they made {$200.00} result available to pull out until the rest cleared on Monday XX/XX/23. On this day ( XXXX ) I checked my account and it was negative {$230.00}, I called to see what happens and they said they took it back towards my check and said it would finish clearing on Tuesday XX/XX/23. When that Tuesday came around it still hadnt been cleared. We called the bank again asking what the issue was as it was a well established business paycheck. Not someone personal Checking account. They said they were unable to reverse it and it would clear on XX/XX/23. By this time I will have already had a second paycheck. They have yet to give a reason as to why a work paycheck would be held for two more weeks, as well as refused to fix the situation.
Product: Credit reporting

My credit report shows a 180-day late payment in XXXX XXXX. However, I was not late. I have provided copies of my XXXX Payment Record ( XXXX XXXX - XXXX XXXX ) XXXX to Experian that clearly show my payments for XXXX XXXX and for the year of XXXX was never late and supports my position. Still, Experian refuses to delete ore correct this item.