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

I received an email from XXXX on XXXX that my federal student loans were forgiven in full under the XXXX XXXX XXXX XXXX because my students loans have been in repayment of atleast 20 - 25 years. However, the full balance is still showing on my credit reports at XXXX, XXXX and Experian.
Product: Credit card

Complaint Against American Express - Unauthorized Charges and Dispute Resolution On XX/XX/2024, I made a purchase using my American Express card for order a dress for {$58000.00} from XXXX XXXX XXXX. Unfortunately, the merchandise was lost during the delivery process, and I did not receive it. As a result, I initiated a dispute with American Express to request a refund for the charges. 
To my disappointment, American Express repeatedly holds the disputed charges and then releases them when the merchant claims that the package had been delivered. This procedure has been ongoing, and it puts me in a difficult position as I am unable to pay for merchandise I never received until American Express can provide proof that I actually received it. 
I have made multiple attempts to communicate with American Express to resolve this matter, but the issue remains unresolved. I have explained the situation and provided all necessary documentation to support my claim, yet the charges continue to be reinstated without any further investigation. 
I kindly request your intervention in this matter. I believe that American Express 's handling of this dispute is unfair and unjust. I am concerned that their actions may have a negative impact on my credit history and financial well-being. 
I urge the Consumer Financial Protection Bureau to investigate this case thoroughly and ensure that American Express follows proper dispute resolution procedures. I request that American Express be compelled to provide a fair and prompt resolution to this dispute, either by providing evidence that I received the merchandise or by refunding the charges. 
I appreciate your attention to this matter and the assistance you can provide in resolving this dispute. Please feel free to contact me if you require any additional information or documentation.
Product: Debt collection

Galaxy International Purchasing , LLC is not my creditor and I never engaged in any creditor relationship with this company by contractual agreement, to hold or enforce security interest to collect on a debt against me. 

Galaxy International Purchasing , LLC has failed to verify any debt owed by me to them as my creditor or XXXX XXXX XXXX XXXX  ( XXXX XXXX ) as the original creditor for the account ending in XXXX and the balance amount owed of {$1600.00} or any previously updated balances. 

As of XX/XX/2021, the balance is {$0.00} for XXXX XXXX XXXX XXXX ( XXXX XXXX ), the entire matter was written off upon a dispute of inaccurate, incorrect, false, and erroneous information. There is no balance owed by me to XXXX XXXX XXXX XXXX ( XXXX XXXX ), wherefore Galaxy International Purchasing , LLC is seeking to collect on a XXXX balance. 

Galaxy International Purchasing , LLC has failed to verify any debt transfer from XXXX XXXX XXXX XXXX  ( XXXX XXXX ) as the original creditor for the account ending in XXXX and a balance owed by me to enforce debt collections against me as a holder in due course. 

Galaxy International Purchasing , LLC has failed to verify a balance is owed by me to XXXX XXXX XXXX XXXX ( XXXX XXXX ) as the original creditor. That was transferred from XXXX XXXX XXXX XXXX ( XXXX XXXX ) to Galaxy International Purchasing , LLC. 

Galaxy International Purchasing , LLC has retained several debt collection companies to assist them in unlawful debt collection practices and fraudulent violations.
Product: Credit card

Bank of America has an unfair practice in place when calculating minimum payments on their credit cards. In XXXX I made a payment to Bank of America in the amount of {$6200.00} which brought my balance to {$250.00}. Since the payment applied prior to the statement cutoff the minimum payment required to make on XXXX was {$200.00}. This practice is unfair as they are requiring me to pay majority of my statement balance. Meanwhile the payment I made in XXXX satisfied both XXXX and XXXX payments. They also told me that if my payment was one day later my minimum payment would have been one of which that reflects my outstanding balance. My complaint is that the minimum payment should be determined at the cut off of the statement. They way it currently is the statement balance fluctuates however the minimum payment does not which means they are calculating the minimum payment prior to any payment being made for the current month. With this practice if the statement was brought to a XXXX balance prior to the statement cut off the following month would still require a minimum balance. They stated they would not be the case but then they does tell me that there are inconsistency with how they calculate minimum payments on their credit cards which does not hold truth in what they disclose to their clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX i am writing this myself on behalf of myself, any authorization or verification you say you need consider it given.. 

your company is in violation of 15 U.S. Code 1681a ( 2 ) Exclusions ( B ) and in violation of Under truth and lending 15 U.S. Code 1602 ( I ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

By that definition my social security card is a credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
And anything that extends from a credit card or similar device according to 15 U.S. Code 1681a ( 2 ) Exclusions ( B ) ; should be excluded from my credit report.

not only that, but since i am the original creditor according to 15 U.S. Code 1692a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 

as the original creditor, only i can validate this debt. i do not validate this debt which puts this agency in violation of 15 U.S.C 1692g. since i wasnt notified of this in writing 5 days prior.
Product: Credit reporting or other personal consumer reports

" I have reviewed my credit report because I am planning to buy a house, and I noticed that there are XXXX inquiries on different dates made by XXXX that I did not authorize. I want to clarify this situation and ensure that my credit report only reflects accurate information. '' MY DATE OF BIRTH XX/XX/XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My home was broken into and my ID, credit cards, and other personal items were stolen. I recently got a copy of my credit report and realized that there are things on here that I have not applied for. I did not request any of the inquires listed on this report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a grievance regarding the recent data breach that has compromised my personal information. As a consumer, I am deeply concerned about the security of my data and the potential risks that this breach poses to my financial well-being. 

It has come to my attention that a breach in your system has exposed sensitive personal details, including but not limited to my social security number, my email, my address and other personal information. The unauthorized access to this information raises serious concerns about identity theft, fraud, and the long-term impact on my credit score and financial standing. 

Credit Reporting Agencies are supposed to implement strong security measures to protect consumer credit information from unauthorized access and data exposure. These companies, XXXX, Equifax and XXXX have failed to do this. 



The following information are discrepancies that I found on all XXXX credit reports : XXXX : Names-XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments on Ally Financial accounts that are inconsistent across all XXXX bureaus and no permission/consent given from me allowing this. According to UCC, once a company accepts payment for an account its like that late never happened therefore, should not be on my credit. 

Late payment on XXXX XXXX and XXXX XXXX that I didnt give permission/consent to be added to my credit report. Also, payment was accepted so it should not be on my credit report. 



Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments on Ally Financial accounts that are inconsistent across all XXXX bureaus and no permission/consent given from me allowing this. According to UCC, once a company accepts payment for an account its like that late never happened therefore should not be on my credit. 

Late payment on XXXX XXXX and XXXX XXXX that I didnt give permission/consent to be added to my credit report. Also, payment was accepted so it should not be on my credit report. 

I expect immediate action to be taken in response to this incident, including the following : A description of the steps you are taking to mitigate the effects of the breach, including any measures to prevent future occurrences A request for a thorough investigation into the breach, along with notification of any third parties or organizations that may have been impacted. 

A clear timeline outlining when I can expect resolution and additional information regarding my compromised personal data. 

As a customer of XXXX, I have trusted your services to maintain the confidentiality and integrity of my personal data. Given the severity of this issue, I urge you to prioritize the resolution of this matter and ensure that I am kept informed of all developments. 

Please acknowledge receipt of this grievance and provide a prompt response outlining the actions you will take to resolve this situation. I look forward to your timely response and a resolution that safeguards my personal information moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and opened an auto loan in my name with XXXX XXXX XXXX on XX/XX/XXXX, Which I am in the military, United States XXXX and I was on deployment at that time in XXXX. I pulled my Experian credit report on XX/XX/XXXX and noticed a charge off amount of {$18000.00} written off with a past due amount of {$17000.00}. This is not my account. I contacted XXXX and Experian about the matter. Experian is still reporting this fraudulent account to third parties which is hurting my reputation to attain credit.
Product: Debt collection

XXXX XXXX Account XXXX cell phone open XX/XX/2017 this Account was open for 1 month they said ( XXXX ) I did not open this Account, this is fraud! I told them years ago XXXX, XXXX, Experian and XXXX I have a police report from XX/XX/2017 when I notice items on my credit report that was never report.
Product: Debt collection

Capital one has listed 2 ccrd account in the amount of {$2200.00} twice, reporting from XXXX. Only one account should be reporting, Please have them remove this erroneous, from my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME I DID NOT GIVE EXPERIAN, XXXX, XXXX WRITTEN PERMISSION TO FURNISH ANY FRAUDULENT ACCOUNTS ON MY CONSUMER REPORT PURSUANT TO 15 USC 1681 ( B ) IT STATES THAT I HAVE TO GIVE WRITTEN CONSENT
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The EXPERIAN and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$370000.00}
Product: Checking or savings account

Over the years, I was overdrafted from my account. Sometimes when I added the money back to the account they would overdraft me again. This has been a constant thing with them for awhile now.
Product: Credit reporting or other personal consumer reports

In the what happened box write : I recently found that there are several inaccurate items on my credit report that do not belong to me. I do not have a record doing business with these companies. If these items are not deleted off my credit report immediately, I will be forced to contact a consumer rights Law Attorney and sue on the basis of defamation of character and denial of credit. I have documented all correspondences with The Credit Reporting Agencies ( XXXX, XXXX, XXXX ). Please remove these inaccurate accounts, as you know they are in violation of the Fair Credit Reporting ACT Section 609 ( B ), FDCPA Section 807 Violation of False and misleading representation. Thank You.
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. 

Account Name : XXXX OF XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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: Mortgage

Violation of XXXX Timely escrow payments and treatment of escrow account balances.

Loan fully paid on XX/XX/2021. Balance in escrow still has not been paid out timely. They are in violation of the 20 business days. 

Funds have not been received.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Experian Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXXXXXX XXXX XXXX Balance : {$48000.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inquiries listed on my credit report that I believe to be fraudulent. I did not authorize these inquiries, nor did I initiate any transactions or applications related to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

It was just brought to my attention that Discover has been charging me a " discoverpaymentprotection '' fee every month since 2008. This charge is XXXX per {$100.00} balance. They state that I had signed up for this over the phone while speaking with an agent but have refused to provide me with any documentation or a recording of that call where I supposedly signed up for this. There is no possible way that I knowingly signed up for something like this. They have offered to refund me 6 months of the fee but this has cost me by my rough math in excess of {$1500.00} over the last 10 years and as I can not recall and very much doubt ever signing up for this and they can not provide any proof that I authorized this charge I am due back the full amount of this fees charges to my balance since 2008. Really I should be refunded interest charged on that additional balance as well but would settle for the amount of the erroneous fee.
Product: Debt collection

I have been asking for a debt collection letter and proof of any obligation that I have to The XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit card

I've always made sure to pay this account on time, never letting payments become overdue. I'm unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Checking or savings account

I deposited XXXX checks, since the bank " can not verify the funds '' They decided to block the access to my account.
Product: Credit reporting

I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires on Transunion : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following credit inquires are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX. Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Co Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX Dated XXXX/XXXX/XXXX Dated XXXX/XXXX/XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX. I have asked the creditors and credit bureau to provide me with proof of my signature requesting the credit. Still no proof submitted from them.
Product: Debt collection

On Monday, XX/XX/2023, I received a text from XXXX stating " Your XXXX XXXX XXXX account has been referred to us for resolution. XXXX XXXX XXXXXXXX. Stop=Unsubscribe. '' Not knowing what this was about, I entered the link on my computer. The link then goes to an account with a company entitled D2 Management with my name and a dollar amount they say is owed with options to pay. After unsubscribing to all texts, I immediately sent a letter to the email address on the website ( XXXX ) with a letter attached advising them to stop all communication. Today, XX/XX/2023, I received another text from the same phone number stating, " Let 's find a mutual resolution. Choose an option that works for you. XXXX XXXX XXXX. Stop=Unsubscribe.
Product: Mortgage

Navy fed has me in a pandemic program but the mortgage department still has me in foreclosure inwhic I can't get my check for my insurance claim. Navy will not give me my money back for a fraudulent check inwhich 4 people in the branch have said the signature is not mine and brity on the phone has also said it was not mine. The check was written to XXXX XXXX and they have said the signature in to mine and I have never written a check to myself only for deposit to XXXX XXXX never my so and I gave Navy fed a copy of all checks I have written but they are still saying I wrote them and cashed them in MN well MN is XXXX XXXX processing center not a back and showed them proff that in was in SC on that date. XXXX XXXX wants to give me the money back but that will over draw me so I said no. They may have to give e it back to Mr to investigate. Navy fed sold my Rental property before they told me that the denied my lost mitigation. They said my XXXX a month was not enough to pay my 400 monthly payment even know I had XXXX in the bank I which I was told that was to be considered. I asked XXXX and XXXX asked how much to pay to catch up but was never told. I was told by lawyer don't worry I have ten days to appeal and the paper did also but when I did I was told what are you appealing we already sold your property. Ok law said I had ten days and their paper work said the same but nothing. They stopped my lost medagation twice because they said it was empty but no one ever went out to check and I was told by XXXX a Manger of lost medagation that is how the check. The second time I told them over the phone and sent a letter. I could not do I quick sell or file bankruptcy because there was no time after the answer because again it was sold on XX/XX/XXXX and I got the letter XX/XX/XXXX and XXXX sent them proff of when I got the letter and again no on did anything. XXXX told a lot of things were done wrong and she would start an Investigation and one person called and nothing. I kept calling XXXX back and never got her again she was in a meeting at lunch and not in so I started calling her boss and got the same thing so I just gave up. Lost medagation screwed me twice the house is empty and don't have enough mountly in come even though I have XXXX in my account which was enough to get me present but no one would till me how much.