23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I re-financed a private student loan serviced by AES. AES received the payment from my new lender on XX/XX/XXXX. AES told me they did not mail a check for the amount of overpayment ( {$470.00} ) until XX/XX/XXXX. The overpayment resulted from a delay in when I applied for a refinancing loan and when the documents were signed. Despite AES 's claim that this check was sent to my new lender on XX/XX/XXXX, the new lender 's servicer did not receive the refund until XX/XX/XXXX. This seems to be an unconscionable delay, as I was charged for XXXX months of interest on this overage amount. A refund of an overpayment should not take XXXX months in this digital age and overpayments appear to be an unavoidable consequence of the delay involved in reviewing refinancing offers. A XXXX issue I have with my new loan servicer ( XXXX XXXX XXXX ) is that the refund of the overpayment was not reflect on my online account - I had to call them to request a special payment history to receive an explanation of how the refund was applied to my balance.
Product: Credit card

Examine the attached documents. Initiate an investigation into the accounts that are incorrectly reporting me as late, even though I am never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Keep saying accounts remove from my credit profile. But its still showing accounts on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had an account with Synchrony Bank XXXX XXXX XXXX XXXX ) and the account was sent to a debt collector XXXX XXXX I, XXXX. The account has been paid in full and I was sent a confirmation letter stating this. It also states that I no longer have any further obligation on the referenced account. I really need this to be removed from my credit report ASAP. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Inquiries Appearing On My Credit report. 


Fraudulent inquries appearing on credit report appearing on 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Product: Credit card or prepaid card

I did a credit application to see if I qualify, there was no indication that a credit card would be opened at all. I did this application on XX/XX/2018. They said I was approved but never mentioned I'd be getting a card. This was a timeshare presentation with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Inquiries in Dispute : XXXX XXXX Date of inquiry XX/XX/year> XXXX XXXX XXXX Date of inquiry XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to take the FTC up on their offer for a free annual credit report from all 3 companies by following the link provided, and the instructions per link. 
1. The first time I got as far as filling everything out and clicked submit. The screen went white and stayed white. I refreshed after several minutes and there was a message saying unable to do at this time, and to call the number listed XXXX to report. I did and a woman says it will take time through the mail but will only provide Equifax. 
2. I tried again and filled out everything, clicked submit, and was a message from XXXX XXXX saying it could not be done at this time because of the data received. It would not tell me what data, nor allow me a way to fix or obtain the report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$110.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ( s ) XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Experian XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> i received a call from Macy 's stating that i was past due on my account, which was incorrect. When talking with the rep she noted that i had made a transaction on XX/XX/year> for XXXX, which was the day that the statement was generated and issued for the month and due as of XX/XX/year>. Because i had a prior balance of XXXX on the account i didn't get a statement for the month and that in essence the charge that was done that day was showing improperly as past due. The same day i paid the balance of the account to the rep over the phone and she agreed that she would waive the late charge and fix the credit report for the negative entry. In XXXX, i noticed that my credit score had been marked as me being 30 days late and impacted negatively. I called back to Macy 's in regards to the issue, and talked to their customer service department to address the issue and explained the prior conversation with their reps, and what had happened. That unit said that they would have to put in a Request to research and fix the issue, and that the rep that i talked to originally didn't put in the necessary updates to fix it. After a couple of heated exchanges and multiple requests to be escalated to someone that could fix the concern they submitted the request to fix. As of today i received a notice from them refusing to fix the issue even though they had already agreed to do so and saw where i was in-fact never sent the billing statement. I have never been late with Macy 's neither do i hold balances with them, and because i don't keep balances i don't have a regular billing cycle to know when dates are due. It's ridiculous that after so many years of being a customer with stellar history that i can receive this kind of treatment and they not address it properly. I attached a copy of the statement that they are showing online that was never received the due date is XX/XX/year> it couldn't possibly be 30 days past due if i paid on XX/XX/year>.
Product: Debt collection

I contact LVNV FUNDING also known as Resurgent capital services on XX/XX/2022 and discuss the collection amount on my credit. Customer service name XXXX XXXX on the phone negotiated with me to pay XXXX XXXX for XXXXXXXX XXXX collection amount on my credit. They assure me over the phone that if I can pay XXXX $ collection amount on the credit will be considered as paid in full and it will be removed from my credit. I manage to get XXXX $ and sent the cashiers check to resurgent capital but they refuse to take it off my credit instead they demand XXXX $ from me.. I feel this is the false statement on behalf of a debt collection agency. Due to this collection I am having difficulty finding housing and job in this tough economic times when everything is so expensive. I have to pay insane amount of extra interest on anything I need .. please held this debt company responsible for making false statements and ripping off hard working people.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Civil Liability Request for Validation To Whom It May Concern, I am writing to formally dispute the alleged liability with your institution. ( Midland credit XXXX  XXXX ) I recently received a notice indicating that I am responsible for a financial obligation. However, I do not believe this liability is valid and request a full validation of the claim under applicable consumer protection laws. 

Specifically, I request the following : A detailed explanation of the nature of the liability, including any signed agreements or contracts that support the claim. 
A complete payment and transaction history, demonstrating how the alleged amount was calculated. 
Any documentation that proves I am legally responsible for this liability. 
Any relevant communication or notices that were previously sent regarding this matter. 
Until I receive proper validation, I formally dispute this liability and request that no adverse actions be taken against me, including negative reporting to credit bureaus. If this claim has already been reported, I request that it be updated to reflect the disputed status until it is fully resolved. 

Additionally, if you fail to provide adequate validation, I request that this matter be closed and any negative information be removed from my records. 

Please respond to this dispute within [ XXXX  days or the applicable legal timeframe ] to avoid further actions. I reserve my rights under the law and am prepared to escalate this matter if necessary. 

Thank you for your prompt attention to this issue. Please confirm receipt of this letter and provide your response in writing. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Payments have been made on the card every month but the payments are not being posted. I have had this issue before. I went to use my card the purchase didnt go through and it hasnt been maxed out. Someone has also had a bizarre obsession with all of my personal information causing me to file for identity theft. This needs to be fixed and payments need to be posted ASAP!!!! the card has a XXXX limit
Product: Vehicle loan or lease

I became ill and missed full payments. I spoke to someone in XX/XX/XXXX  who told me to call back in  XX/XX/XXXX  to reset my loan. I called and was told I would receive an email. I kept calling but never received an email. I was verbally told the loan was reset however they still owed my {$2000.00} for a fake warranty place on by the dealership, I have been fighting to removed. I was never told or requested the warranty. They never sent anything. The car was repo  XX/XX/XXXX , I did not receive a notice about the sell of the car or how to get my items out of the car. As of  XX/XX/XXXX , I still have not heard from them.
Product: Debt collection

They posted a collection on my XXXX account for {$360.00} without providing a validation letter. I know they need to provide one within 5 days. They havent done that. Its not my debt. I believe Im a victim of identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Potentially released my personal information in the data breach from XXXX to XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

Today The Home Depot credit card was deleted on XXXX and they took away XXXX points from my credit report. This account was fraudulently opened XX/XX/23. I also seen on report that i lived in XXXX, Ca which is false. I also found out yesterday the Home Depot Card Fraudulently opened is also in XXXX, California. I believe at the address and only address in XXXX where i supposedly lived is where the thief lives and opened up The home depot card living at this address. Please investigate this address where i never lived. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have tried to resolve this matter with this company Phoenix Financial Services LLC, asking them to verify this incorrect information that they are reporting to All 3 credit bureaus in my name under my SSN to XXXX, XXXX XXXX, and XXXX. The company has not responded, after I have followed all the guidelines to get this matter resolved. They are reporting and they claim that I owe a balance of {$44.00} opened on XXXX. This information is not correct. Please note that I have asked them to verify this debt by sending me information that bears my signature to prove that this is a debt that I owe, they have failed to do so. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
I would like this information removed from my credit reports immediately.
Product: Mortgage

My taxes are escrowed. 

Received delinquent notice for town tax payment on XXXX stating that town tax was not paid as of XXXX. Contacted Mr. Cooper on XXXX and the representative instructed me to send the delinquent notice to XXXX. I sent the delinquent tax notice to the email address on the same day XXXX, included name and property address and loan number as instructed. 

I called Mr. Cooper on XXXX to inquire if the delinquent town tax was resolved. I was told that I need to wait until 7-10 business days after sending the email with the delinquent notice to them and to call back then. 

On XXXX ( 10 business days after XXXX ) I called Mr. Cooper to inquire if the delinquent town tax has been resolved. I was told that the tax was paid in XX/XX/2022 ( which my account shows the disbursement back in XX/XX/2022 ). I told them that I sent them the delinquent notice as instructed on XXXX since it was not paid as of XXXX, so the need to take care of this. They asked me the amount and parcel number on the delinquent notice, which I answered. They asked me to email the delinquent notice to XXXX, at which I responded this was ALREADY SENT XXXX, and apparently no one has done anything with it. 

Delinquent notice indicated that this will be sent to collections if the town tax is not paid. Mr. Cooper has not done anything to resolve this issue.
Product: Credit card

I opened a Barclaycard Rewards MasterCard approximately three years ago. As a cardholder, I always made my payments on time ( save for once or twice being a few days late because of circumstances beyond my control, namely hospitalizations ), almost always paid more than the minimum payment due, and I frequently paid my balance in full and then some. I used my card responsibly, especially considering that shortly before applying, I had received a discharge from bankruptcy proceedings and Barclay 's was one of the few issuers to extend credit to customers with recent bankruptcy filings present on their credit report. In essence, Barclay 's took a chance, and I wanted to show them they made the right decision. 

In late XX/XX/XXXX, I attempted to use my card, and the charge was denied. Knowing I had sufficient credit, I called Barclay 's to inquire. I was told my account was summarily closed, and I would be receiving a letter with details. I never received such a letter. However, I attempted to send a message through the online portal asking why my account was closed ( see attached ). I received a response indicating my account was closed due to " delinquency. '' However, there were no delinquencies on my credit accounts. There may have been an account reporting on my file that was delinquent, but it was an authorized user account for which I am not responsible. Barclay 's used information from an account that did not belong to me as justification for closing my account. I am sure Barclay 's will say what they did was perfectly legal, within regulatory framework, etc., etc., and of course, my personal favorite -- which is the catchall/fallback when a company can find no other reason to justify its actions -- " it was a business decision. '' Not only did Barclay 's close my account based on inaccurate information, it appears as though I have been " blacklisted '' from future accounts. While all banks maintain such a list, most deny it exists. However, there are countless missives from former industry employees and customers who explain how they have been subjected to a blacklist. A blacklist is an in house master list of customers and their Social Security numbers who are not to be approved for future credit. I have been made aware of the signs of this policy, which include applying for a product receiving a decline without ever having a credit report pulled. That has happened to me on two separate occasions since my account closure. The most recent occurrence was on/about XX/XX/XXXX. I applied for a Barclaycard Arrival account, and was denied. 

In addition to the above, there were two payments made on my account that never posted, yet both payments cleared my checking account. I brought this to Barclay 's attention at the time, but it went no where. One payment was made on XX/XX/XXXX in the amount of {$500.00}, and the other was for {$1900.00}, also on XX/XX/XXXX. To date, these payments were never credited to my account. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the beginning of XX/XX/2022 I started receiving several emails and phone calls that I had been per-approved for loans and vehicle purchases, I have been trying to apply for a personal installment loan and I have been denied numerous of times until I was redeittef to a company to verify my identity, thats when I was informed that my social security was locked do to suspicious activity ... possibly identity theft so my social security account has been locked do suspicious activity, I also received a phone call from the social security administrator advising me that my social security number was being locked due to suspicion. So on XX/XX/2022, I pulled a copy of my credit report on Experian and noticed that I had multiply loan accounts opened with I never got. I also noticed that there was a new address reported on there and I have not received any payday loans nor have I ever lived at the address that was reported, so there for I have come to the conclusion that I am a possible victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see pages 5 and 6 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing  is past due.
Product: Credit reporting or other personal consumer reports

XXXX has been reporting erroneous defaulted loan information to XXXX, Experian and XXXX XXXX since XX/XX/year>. After contacting Account Specialist XXXX XXXX on XXXX, .the only solution he advised and could give was to dispute with credit bureaus even knowing it was a fraud in my name. 

knowing this is error on XXXX part, they are refusing to correct this. This has impacted my credit score and government background check for employment. 

I requested a letter to state the error to provide to government agency for employment and was denied.